Introduction
Adira Finance, a leading player in Indonesia’s multifinance industry, is seeking a dedicated Petugas Remedial to join its operations in Kuningan, Jawa Barat. The role is pivotal in safeguarding the company’s cash flow by ensuring timely collection of overdue accounts receivable (A/R). Candidates will work in a dynamic environment that blends rigorous financial discipline with strong interpersonal engagement, supporting the broader mission of providing accessible financing solutions across the region.
Responsibilities
- Manage the end‑to‑end collection process for overdue loans, ensuring all actions are completed within established timelines.
- Monitor credit portfolios daily, identify high‑risk accounts, and develop tailored remediation strategies.
- Coordinate with internal sales, underwriting, and legal teams to resolve disputes and accelerate payment cycles.
- Maintain accurate records of collection activities, update the ERP system, and generate performance reports for senior management.
- Conduct outbound calls and on‑site visits to borrowers, applying persuasive negotiation techniques while adhering to regulatory compliance.
- Prepare weekly and monthly dashboards that track key performance indicators such as collection ratio, aging analysis, and delinquency trends.
- Collaborate with external collection agencies, providing clear guidance and monitoring their performance against service level agreements.
- Assist in the development of credit policy refinements based on field insights and emerging market risks.
- Participate in regular training sessions on credit risk, negotiation tactics, and customer relationship management.
- Promote a culture of integrity and transparency by documenting all borrower interactions and escalating potential fraud cases promptly.
Requirements
- Minimum education: D3/D4 (associate or bachelor degree) in any discipline; candidates from finance, economics, or business administration are preferred.
- Male candidates only (as specified by the hiring department).
- Maximum age of 30 years at the time of application.
- At least 1 year of experience in credit monitoring, loan collection, or related financial services; fresh graduates with strong academic performance are also considered.
- Solid understanding of multifinance business processes and a results‑oriented mindset.
- Excellent interpersonal and communication skills, with proven ability to negotiate and influence borrowers.
- High degree of integrity, perseverance, attention to detail, and honesty.
- Proficiency in Microsoft Office (Excel, Word) and familiarity with ERP/CRM systems used in loan servicing.
- Ability to work Monday through Saturday, 08:00 – 16:00, and adapt to occasional field visits.
- Strong analytical thinking, capable of interpreting aging reports and proposing actionable remediation plans.
Benefits
- Competitive monthly salary with performance‑based bonuses tied to collection targets.
- Comprehensive health insurance covering medical, dental, and vision care.
- Transportation allowance or company‑provided shuttle service for the Kuningan office.
- Professional development opportunities, including certification courses in credit risk management and negotiation.
- Annual leave, sick leave, and public holiday entitlements in accordance with Indonesian labor law.
- Employee assistance program offering counseling and financial planning resources.
- Clear career progression path within Adira Finance’s nationwide network of branches.
- Team‑building events and recognition programs that celebrate individual and collective achievements.
About Company
Adira Finance is one of Indonesia’s most trusted multifinance institutions, offering a broad range of consumer and commercial financing products. With a strong commitment to financial inclusion, the company leverages advanced analytics and a customer‑centric approach to deliver flexible credit solutions. Operating in more than 20 provinces, Adira Finance prides itself on a culture of integrity, innovation, and community impact. By joining the Kuningan team, you will become part of a forward‑thinking organization that values professional growth and strives to make a positive difference in the lives of its borrowers.
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