Introduction
Adira Finance is seeking a dynamic and results‑driven Remedial Collection Officer to join our team at the Grandmall location serving the Jabodetabekser region. This full‑time position plays a critical role in safeguarding the company’s cash flow by ensuring timely collection of overdue accounts receivable (A/R). The successful candidate will operate in a fast‑paced, target‑oriented environment, collaborating closely with internal stakeholders and external clients to achieve collection goals while maintaining the highest standards of professionalism and integrity.
Responsibilities
- Manage and oversee the end‑to‑end collection process for overdue accounts, ensuring all actions are performed within established timelines.
- Initiate contact with delinquent borrowers via phone, email, or face‑to‑face visits, employing effective negotiation techniques to secure payment arrangements.
- Analyze credit histories and payment patterns to develop customized repayment plans that align with both the borrower’s capacity and the company’s risk policies.
- Maintain accurate and up‑to‑date records in the collection management system, documenting all communications, promises to pay, and dispute resolutions.
- Prepare regular performance reports for senior management, highlighting collection rates, aging trends, and any escalated cases requiring legal intervention.
- Coordinate with the legal department for the preparation and execution of legal actions against chronic defaulters, when necessary.
- Educate customers on the benefits of timely payments and provide guidance on financial literacy to reduce future defaults.
- Contribute to the continuous improvement of collection strategies by sharing insights gathered from field interactions and market feedback.
- Adhere strictly to all regulatory and internal compliance requirements related to consumer protection and data privacy.
Requirements
- Minimum education: D3 or S1 in any discipline; high school (SMA/SMK) graduates are also considered if they demonstrate strong aptitude.
- Male candidates only, aged 30 years or younger.
- At least 1 year of experience in credit monitoring, debt collection, or a related financial services role; fresh graduates with relevant internships are welcome.
- Solid understanding of multifinance business processes and a proven ability to work toward aggressive collection targets.
- Excellent interpersonal and communication skills, with the ability to negotiate, persuade, and resolve conflicts calmly.
- High degree of integrity, diligence, attention to detail, and honesty in all dealings.
- Proficiency in using collection software and Microsoft Office applications.
- Flexibility to work Monday through Saturday, from 08:00 to 16:00, with placement at the Adira Finance office that matches the candidate’s domicile.
Benefits
- Competitive base salary with performance‑based incentives and quarterly bonuses.
- Comprehensive health insurance covering medical, dental, and vision care.
- Transportation allowance or company‑provided vehicle for field visits.
- Professional development programs, including certification courses in credit risk and negotiation skills.
- Clear career progression path toward senior collection management and other finance functions.
- Generous paid leave, including annual, sick, and parental leave.
- Employee assistance programs and wellness initiatives to support work‑life balance.
About Company
Adira Finance is a leading multifinance institution in Indonesia, renowned for its innovative consumer credit solutions and robust risk management practices. With a nationwide network of branches and a strong digital presence, Adira empowers millions of customers to achieve their financial aspirations while maintaining disciplined portfolio performance. The company fosters a culture of transparency, continuous learning, and social responsibility, encouraging employees to grow professionally while contributing positively to the communities they serve.
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