Introduction
Adira Finance, a leading multifinance institution in Indonesia, is seeking a dedicated Remedial Officer (Koleksi) for its Wonosobo branch in Central Java. This role is critical for maintaining the health of the loan portfolio by ensuring timely collection of overdue accounts receivable (A/R). The successful candidate will join a dynamic team, work in a professional environment, and contribute directly to the company’s growth and customer satisfaction.
Responsibilities
- Manage the end‑to‑end collection process for overdue loans, ensuring all actions are completed within prescribed timelines.
- Conduct daily monitoring of credit accounts, identify delinquent accounts, and prioritize collection activities based on risk assessment.
- Initiate contact with borrowers through phone calls, emails, and face‑to‑face visits to negotiate repayment plans and resolve disputes.
- Prepare and submit accurate collection reports, including status updates, aging analysis, and recovery performance metrics for senior management.
- Collaborate closely with the credit underwriting and risk management teams to share insights and improve credit policies.
- Maintain detailed records of all collection actions in the company’s CRM system, ensuring data integrity and compliance with regulatory standards.
- Participate in regular training sessions on collection best practices, legal regulations, and negotiation techniques.
- Support the branch’s overall financial targets by achieving monthly and quarterly recovery goals.
- Assist in the development of proactive strategies to reduce future delinquencies, such as customer education programs and early‑warning alerts.
- Uphold the highest standards of integrity, confidentiality, and professionalism in all interactions with customers and internal stakeholders.
Requirements
- Education: Minimum D3/D4 (Associate) degree; candidates with S1 (Bachelor) degrees from any discipline, as well as SMA/SMK graduates, are welcome.
- Age: Up to 30 years old.
- Gender: Open to all genders.
- Experience: At least 1 year of experience in collections, credit monitoring, or related finance functions; fresh graduates with strong academic performance are also considered.
- Technical Skills: Knowledge of credit monitoring, loan processing, arrears management, and proficiency with collection software or CRM tools.
- Soft Skills: Excellent interpersonal and communication abilities, strong negotiation tactics, high integrity, perseverance, meticulous attention to detail, and honesty.
- Business Acumen: Understanding of multifinance business processes and a results‑oriented mindset.
- Work Schedule: Monday‑Saturday, 08:00 – 16:00, based at the Adira Finance branch aligned with the candidate’s domicile.
Benefits
- Competitive salary with performance‑based incentives tied to collection targets.
- Comprehensive health insurance covering medical, dental, and vision care.
- Professional development programs, including certification courses and workshops.
- Paid annual leave, sick leave, and statutory holidays.
- Transportation allowance or company‑provided vehicle for field visits.
- Employee assistance program offering counseling and financial advisory services.
- Opportunities for career advancement within Adira Finance’s nationwide network.
About Company
Adira Finance is one of Indonesia’s most trusted financial services providers, offering a broad range of products such as consumer loans, vehicle financing, and small‑business credit. With a strong focus on responsible lending, digital innovation, and customer empowerment, the company serves millions of clients across the archipelago. The Wonosobo branch plays a vital role in supporting the local community’s economic development by delivering flexible financing solutions and fostering financial inclusion. Joining Adira Finance means becoming part of a forward‑thinking organization that values teamwork, ethical conduct, and continuous improvement.
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