Introduction
The Problem Account Officer – Collection position is based in Randudongkal, Central Java, and plays a critical role in the financial health of our multifinance institution. As part of a dedicated collections team, you will manage overdue accounts, ensuring timely recovery while maintaining strong customer relationships. This role offers a dynamic work environment with clear performance targets, a supportive culture, and opportunities for career growth within the financial services sector.
Responsibilities
- Manage and execute the collection process for accounts overdue between 61 and 120 days, ensuring compliance with internal policies and regulatory guidelines.
- Monitor daily A/R (Accounts Receivable) aging reports, identify high‑risk accounts, and develop action plans to accelerate recovery.
- Conduct outbound calls, send formal reminders, and arrange settlement meetings with delinquent borrowers.
- Negotiate repayment terms, restructure payment schedules, and document all agreements accurately in the system.
- Collaborate with credit analysts, legal teams, and field agents to coordinate enforcement actions when necessary.
- Maintain detailed records of all collection activities, update account statuses, and prepare periodic performance reports for management.
- Provide exceptional customer service by explaining payment options, answering queries, and preserving the company’s reputation.
- Continuously evaluate and suggest improvements to the collection workflow to enhance efficiency and recovery rates.
Requirements
- Educational background: Minimum SMA/SMK or equivalent; D3/S1 in any discipline is preferred.
- Age: Up to 30 years old.
- Gender: Male (as specified by the posting).
- Work experience: At least 1 year in a similar collections or credit monitoring role; fresh graduates with strong academic performance are also welcome.
- Solid understanding of multifinance business processes and a strong target‑orientation.
- Excellent interpersonal and communication skills, with proven negotiation ability.
- High integrity, perseverance, attention to detail, and honesty.
- Proficiency in credit monitoring, debt collection processes, and the use of collection software.
- Willingness to work in the designated location based on domicile and to adhere to a Monday‑Saturday schedule (08:00‑16:00).
Benefits
- Competitive salary with performance‑based incentives.
- Health insurance coverage for employee and eligible dependents.
- Paid annual leave, sick leave, and public holidays.
- Professional development programs, including training on credit risk management and negotiation techniques.
- Career advancement pathways within the organization’s nationwide network.
- Employee assistance program and wellness initiatives.
- Transportation allowance or reimbursement for commuting expenses.
About Company
Our company is a leading multifinance provider in Indonesia, offering a broad range of financing solutions to individuals and small‑medium enterprises across the archipelago. With a strong focus on responsible lending, we combine cutting‑edge technology with deep market insight to deliver tailored financial products that empower our customers to achieve their goals. Our culture emphasizes teamwork, ethical conduct, and continuous improvement, making us a trusted partner in the communities we serve.
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