Introduction
PT Adira Dinamika Multifinance, Tbk (commonly known as Adira Finance) is one of Indonesia’s leading non‑bank financial institutions, providing consumer financing for automobiles, motorcycles and other asset‑backed products. To support its robust portfolio, the company operates a dedicated Collection division that safeguards its assets and ensures timely repayment from customers who fall behind on their scheduled installments. We are currently seeking energetic, detail‑oriented individuals to join the team as Petugas Penagihan (Collection Officer) for our Tebet and Kelapa Gading branches.
The role involves both field and desk collection activities, requiring strong negotiation skills, empathy, and a clear understanding of the financial products we offer. Successful candidates will help maintain the health of the loan book, protect the company’s assets, and contribute to a positive customer experience even in challenging repayment situations.
Responsibilities
- Conduct outbound phone calls and on‑site visits to customers with overdue installments, clearly communicating payment expectations and deadlines.
- Prepare and deliver formal notice letters (somasi) when payment delays persist, and follow up with appropriate escalation procedures.
- Execute unit repossession (mobil/motor) in compliance with legal guidelines when customers are unable to settle arrears after repeated reminders.
- Offer restructuring or rehabilitation (Rehab) solutions, tailoring repayment plans that match the borrower’s financial capacity while protecting Adira’s risk exposure.
- Maintain accurate daily activity logs, including visit reports, call summaries, and cash or asset handovers to the warehouse team.
- Perform area surveys to verify borrower information, assess collateral condition, and identify any potential fraud indicators.
- Collaborate with the credit risk and legal departments to ensure all collection actions are documented and legally compliant.
- Meet or exceed weekly and monthly collection targets set by the branch manager.
- Participate in regular training sessions on negotiation techniques, regulatory updates, and customer service best practices.
Requirements
- Minimum education: SMA/SMK or equivalent.
- Male candidates only, age not exceeding 28 years.
- No prior collection experience required; fresh graduates with strong communication abilities are encouraged to apply.
- Excellent verbal and written communication skills in Bahasa Indonesia; proficiency in English is a plus.
- Active listening, patience, and the ability to remain calm under pressure.
- Demonstrated interpersonal skills, with the capacity to build rapport quickly with diverse customers.
- Basic numeracy and ability to handle cash transactions accurately.
- Valid driver’s license (A/B) and willingness to travel within the assigned territory for field visits.
- Proficiency with Microsoft Office (Word, Excel) and familiarity with CRM or collection management software.
- Commitment to work Monday through Saturday, 08:00 – 17:00.
Benefits
- Competitive base salary with performance‑based incentives tied to collection targets.
- Comprehensive health insurance covering employee and eligible dependents.
- Paid annual leave, sick leave, and additional holidays in accordance with Indonesian labor law.
- Professional development programs, including certification courses in credit management and negotiation.
- Uniform allowance and transportation reimbursement for field collection activities.
- Opportunities for career advancement within Adira Finance’s extensive network of branches and corporate functions.
- Employee recognition programs that celebrate top performers each quarter.
About Company
Founded in 1998, PT Adira Dinamika Multifinance, Tbk has grown into a trusted name in consumer financing, serving millions of customers across Indonesia. The company’s mission is to provide accessible, responsible financing solutions that empower individuals to acquire the assets they need for personal and professional growth. With a strong corporate culture that values integrity, teamwork, and continuous improvement, Adira Finance invests heavily in technology and talent to stay ahead in a competitive market.
Our Collection division plays a critical role in preserving the company’s financial health while treating customers with fairness and respect. By joining our team, you become part of a forward‑thinking organization that balances rigorous risk management with a genuine commitment to helping customers navigate financial challenges.
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