Introduction
Adira Finance, a leading multifinance institution in Indonesia, is expanding its collection team in Kotamobagu. We are seeking a diligent and results‑driven Petugas Remedial (Penagihan) to join our branch office. This role is essential for safeguarding the company’s cash flow by ensuring timely recovery of overdue accounts receivable (A/R). The successful candidate will operate in a fast‑paced environment, collaborate closely with credit analysts, and interact directly with borrowers to negotiate payment plans.
Responsibilities
- Manage end‑to‑end collections processes for overdue loan accounts, ensuring all actions are completed within established deadlines.
- Conduct daily monitoring of A/R aging reports, identify high‑risk accounts, and prioritize collection activities accordingly.
- Initiate contact with delinquent borrowers via phone, email, and in‑person visits, employing professional negotiation techniques to secure payment commitments.
- Prepare and submit detailed collection reports to the branch manager, highlighting recovery rates, challenges, and recommended corrective actions.
- Collaborate with the credit underwriting team to verify borrower information, assess repayment capacity, and suggest restructuring options when appropriate.
- Maintain accurate records in the company’s CRM system, documenting all communication, promises to pay, and follow‑up actions.
- Support the development of collection strategies by providing feedback on common reasons for delinquency and suggesting preventive measures.
- Adhere to regulatory guidelines and internal compliance standards related to debt recovery and customer data protection.
- Participate in regular training sessions on negotiation, financial products, and legal aspects of collections to continuously improve performance.
Requirements
- Minimum education: D3/D4 (Associate or Bachelor’s degree) in any discipline; fresh graduates are welcome to apply.
- At least 1 year of experience in collections, credit monitoring, or related financial services is preferred, though strong analytical ability can compensate for limited experience.
- Age not exceeding 30 years at the time of application.
- Male candidates only, as specified by the current posting.
- Solid understanding of multifinance business processes and a strong orientation toward meeting collection targets.
- Excellent interpersonal and communication skills, with proven negotiation capabilities.
- High level of integrity, perseverance, attention to detail, and honesty in handling sensitive financial information.
- Proficiency in using credit monitoring tools, basic spreadsheet functions, and CRM software.
- Willingness to work at the Adira Finance branch that corresponds to the candidate’s domicile, with a standard work schedule of Monday‑Saturday, 08:00‑16:00.
Benefits
- Competitive base salary with performance‑based incentives tied to collection recovery rates.
- Comprehensive health insurance covering medical, dental, and vision expenses.
- Paid annual leave, public holidays, and additional days off for religious observances.
- Professional development programs, including certification courses in credit risk management and negotiation skills.
- Opportunities for career progression within Adira Finance’s nationwide network of branches.
- Transportation allowance or reimbursement for commuting to the designated branch.
- Employee assistance program offering counseling and financial planning support.
About Company
Adira Finance is one of Indonesia’s most trusted non‑bank financial service providers, offering consumer loans, vehicle financing, and micro‑enterprise credit solutions. With a commitment to responsible lending and customer empowerment, the company leverages advanced analytics and a robust risk‑management framework to deliver tailored financial products across the archipelago. Our culture emphasizes teamwork, ethical conduct, and continuous learning, making Adira Finance an ideal environment for ambitious professionals who seek to make a tangible impact on both the organization’s success and the financial wellbeing of our clients.
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