Introduction
The Remedial Officer (Collection) is a key member of our credit recovery team, based in the vibrant city of Cilacap, Jawa Tengah. This role focuses on managing overdue accounts receivable (A/R) to ensure timely collection and maintain healthy cash flow for the organization. The successful candidate will work closely with customers, internal finance departments, and senior management to achieve collection targets while upholding the highest standards of professionalism and integrity.
Working hours are Monday through Saturday, from 08:00 to 16:00, and the position offers a stable, full‑time schedule. Candidates must be male, aged 29 – 30, and either a fresh graduate or an individual with at least one year of relevant experience.
Responsibilities
- Oversee the end‑to‑end collection process for overdue invoices, ensuring all actions are taken within stipulated timelines.
- Conduct outbound calls, send reminder letters, and negotiate repayment plans with delinquent borrowers.
- Maintain accurate records of all collection activities in the company’s CRM system and generate daily, weekly, and monthly reports for senior management.
- Collaborate with the credit underwriting and risk assessment teams to understand the credit profile of each debtor.
- Identify high‑risk accounts early and propose proactive strategies to mitigate potential losses.
- Coordinate with legal counsel when escalation to litigation or formal recovery actions is required.
- Monitor and analyze collection metrics, such as days past due (DPD), recovery rate, and promise‑to‑pay compliance, and recommend process improvements.
- Provide training and guidance to junior collection staff, fostering a culture of continuous learning and ethical collection practices.
- Ensure compliance with all relevant regulations, including consumer protection laws and internal policies.
Requirements
- Minimum education: D3/D4 (or S1) in any discipline; fresh graduates are welcome.
- At least 1 year of experience in collections, credit monitoring, or related financial services (experience is a strong plus).
- Age limit: maximum 29 years at the time of application.
- Strong understanding of multifinance business processes and a results‑driven mindset.
- Excellent interpersonal and communication skills, with proven negotiation abilities.
- High level of integrity, resilience, attention to detail, and honesty.
- Proficiency in credit monitoring, loan processing, and debt recovery techniques.
- Ability to work independently while adhering to team objectives and deadlines.
- Willingness to be placed in the candidate’s domicile area (Cilacap or surrounding regions).
Benefits
- Competitive base salary with performance‑based bonuses tied to collection targets.
- Comprehensive health insurance covering medical, dental, and vision care.
- Retirement savings plan (DPK) with employer matching contributions.
- Paid annual leave, sick leave, and public holidays in accordance with Indonesian labor law.
- Professional development opportunities, including certification courses in credit risk and negotiation.
- Transportation allowance or company‑provided vehicle for field visits, if required.
- Team building events, wellness programs, and a supportive work environment.
About Company
Our client is a leading multifinance institution operating across Java and Sumatra, offering a broad portfolio of consumer loans, vehicle financing, and small‑business credit solutions. With a strong commitment to financial inclusion, the company leverages technology and data‑driven insights to deliver flexible financing options to underserved communities. The organization prides itself on ethical business practices, a collaborative culture, and a clear focus on sustainable growth. Joining the team in Cilacap means becoming part of a forward‑thinking enterprise that values each employee’s contribution to the company’s mission of empowering customers through responsible financing.
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