Introduction
Adira Finance, a leading multifinance institution in Indonesia, is seeking a motivated Remedial Officer (Collection) to join our dynamic team in Pondok Gede, Jabodetabekser. This role is critical for maintaining the health of our loan portfolio by ensuring timely collection of overdue accounts receivable (A/R). The successful candidate will work closely with internal stakeholders and external clients, applying strong negotiation and interpersonal skills to achieve collection targets while upholding the highest standards of integrity and professionalism.
Responsibilities
- Manage end‑to‑end collection activities for overdue loans, ensuring all actions are performed within defined timelines.
- Monitor daily A/R aging reports, identify high‑risk accounts, and develop targeted recovery strategies.
- Conduct outbound calls, send written reminders, and arrange face‑to‑face meetings with delinquent borrowers.
- Negotiate repayment plans, restructuring options, and settlements in accordance with company policy and regulatory requirements.
- Collaborate with the credit underwriting and risk management teams to share insights on borrower behavior and recommend preventive measures.
- Document all collection actions accurately in the CRM system, ensuring data integrity for audit and reporting purposes.
- Prepare weekly and monthly performance reports, highlighting key metrics such as recovery rate, days past due, and outstanding balances.
- Participate in continuous improvement initiatives, suggesting process enhancements to reduce delinquency and improve customer experience.
- Maintain compliance with internal policies, industry regulations, and consumer protection laws throughout the collection process.
Requirements
- Minimum education: D3/D4 (associate or bachelor degree) in any discipline; open to fresh graduates who demonstrate strong analytical ability.
- At least 1 year of experience in credit monitoring, debt collection, or a related financial services role (experience is a plus but not mandatory).
- Maximum age of 30 years.
- Male candidates only, as specified by the client’s current operational requirements.
- Deep understanding of multifinance business processes and a results‑oriented mindset.
- Excellent interpersonal and communication skills, with proven negotiation capabilities.
- High level of integrity, perseverance, meticulous attention to detail, and honesty.
- Proficiency in using collection software, Excel, and basic reporting tools.
- Willingness to be placed at the Adira Finance office that corresponds to the candidate’s domicile.
- Availability to work Monday through Saturday, 08:00 – 16:00.
Benefits
- Competitive base salary with performance‑based incentives tied to collection targets.
- Comprehensive health insurance covering medical, dental, and vision care.
- Annual bonus and profit‑sharing opportunities.
- Professional development programs, including training on credit risk, negotiation tactics, and regulatory compliance.
- Transportation allowance or company‑provided shuttle service for the Pondok Gede location.
- Paid leave, including annual leave, sick leave, and maternity/paternity benefits in accordance with Indonesian labor law.
- Employee assistance program offering counseling and financial wellness resources.
- Opportunity to grow within a reputable organization with a clear career path from Remedial Officer to Senior Collection Manager or Credit Analyst.
About Company
Adira Finance is a subsidiary of the Adira Group, one of Indonesia’s most trusted names in consumer financing, vehicle leasing, and small‑business credit solutions. With a network spanning more than 300 branches across the archipelago, the company serves millions of customers, providing flexible financing options that empower individuals and enterprises alike. Adira Finance prides itself on a customer‑centric culture, leveraging technology and data analytics to deliver fast, transparent, and responsible financial services. The organization fosters a collaborative environment where talent is nurtured, and innovative ideas are encouraged, making it an ideal place for professionals seeking a rewarding career in the financial sector.
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