Introduction
We are seeking a motivated Staf Penagihan & Pengelolaan Kredit to join our dynamic collection team in Tobelo. This role plays a critical part in safeguarding the company’s assets by ensuring timely repayment of vehicle financing loans, managing overdue accounts, and supporting customers through rehabilitation programs. The ideal candidate will be detail‑oriented, possess strong communication skills, and be comfortable working in a fast‑paced environment that blends field visits with administrative responsibilities.
Responsibilities
- Receive the daily remedial visit list (DKHR) from the Account Receivable (A/R) department or Collection Head and execute visits within the assigned geographic area.
- Conduct on‑site collection of overdue payments and arrange the receipt of financed vehicles from customers whose loan aging falls within the 1‑60 day bucket, adhering to the division’s collection policies.
- Securely hand over collected cash to the teller or process it via the designated mobile application, and coordinate the transfer of recovered vehicles to the warehouse with complete supporting documentation.
- Verify that each recovered vehicle matches the original financing contract to prevent fraud or mismatches.
- Explain and promote the rehabilitation (rehab) program to borrowers, outlining options such as payment rescheduling, loan restructuring, and adjustments to financing terms.
- Perform thorough surveys and financial analysis of borrowers to assess eligibility for rehab programs, taking into account credit history, income stability, and collateral condition.
- Prepare detailed survey reports that reflect the borrower’s true situation, attaching accurate data, photographs, and any required legal documents.
- Communicate daily results, challenges, and any escalated issues to the A/R team or Collection Head, ensuring transparency and timely resolution.
- Assist customers in installing and using the company’s payment application, providing step‑by‑step guidance to improve digital payment adoption.
- Document each field visit in the collection system, highlighting obstacles encountered and proposing actionable solutions to improve recovery rates.
- Collaborate with the warehouse, legal, and finance departments to ensure smooth handover of seized assets and proper accounting entries.
- Continuously monitor aging reports and prioritize high‑risk accounts, contributing to the overall reduction of delinquency ratios.
Requirements
- Minimum education: D3/D4 (Associate or Bachelor degree) in Business, Finance, or a related field.
- Male candidates only, age not exceeding 33 years.
- No prior experience required; fresh graduates with strong motivation are encouraged to apply.
- Excellent verbal communication in Bahasa Indonesia with a firm yet courteous tone.
- Demonstrated ability to negotiate, persuade, and build rapport with customers under pressure.
- Basic proficiency with mobile payment applications and collection management software.
- Strong organizational skills to manage daily visit schedules, paperwork, and reporting deadlines.
- Ability to work independently in the field while maintaining close coordination with office teams.
- Valid driver’s license and reliable transportation for visiting assigned areas.
- High level of integrity and discretion when handling confidential financial information.
Benefits
- Competitive base salary with performance‑based incentives tied to collection targets.
- Comprehensive health insurance covering medical, dental, and vision expenses.
- Paid leave: 12 days annual leave, plus official holidays and sick leave.
- Professional development opportunities, including training on negotiation techniques, credit analysis, and use of the latest fintech tools.
- Company‑provided smartphone and mileage reimbursement for field activities.
- Uniform allowance and safety equipment for on‑site visits.
- Friendly work environment that values teamwork, integrity, and continuous improvement.
About Company
Our company is a leading financial services provider in the Maluku region, specializing in vehicle financing and consumer credit solutions. With a robust portfolio of over 15,000 active loan accounts, we pride ourselves on delivering flexible financing options while maintaining rigorous risk management standards. Our collection division leverages both traditional field outreach and modern digital platforms to achieve high recovery rates and support customers in maintaining healthy credit standings. By joining our team, you will be part of a forward‑thinking organization that invests in its people, embraces technology, and contributes positively to the economic development of Tobelo and surrounding communities.
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