Introduction
We are seeking a diligent and motivated Staff Pengumpulan Data to join our dedicated collections team at a leading state-owned bank (Bank BUMN). This role is pivotal in supporting the bank’s credit risk management by proactively contacting borrowers whose loan installments are overdue. The successful candidate will work in a professional, non‑shift environment, contributing to the bank’s mission of maintaining financial stability and fostering responsible lending practices across Indonesia.
Responsibilities
- Conduct outbound telephone calls to delinquent borrowers, reminding them of overdue installment payments and clarifying repayment schedules.
- Document each interaction accurately in the bank’s CRM system, ensuring data integrity for future reference and reporting.
- Negotiate repayment plans, offering flexible solutions such as restructuring or temporary forbearance where appropriate, while adhering to internal policies.
- Collaborate with the credit analysis and legal teams to identify high‑risk accounts and recommend escalation when necessary.
- Follow up on agreed‑upon payment commitments, monitoring receipt of funds and updating status promptly.
- Provide exceptional customer service by answering borrower inquiries, addressing concerns, and maintaining a courteous tone throughout all communications.
- Assist in the preparation of weekly and monthly performance reports, highlighting collection trends, success rates, and areas for improvement.
- Stay informed about regulatory changes related to consumer credit and collection practices to ensure compliance.
Requirements
- Minimum education: SMA/SMK or equivalent.
- Maximum age: 35 years.
- Open to all genders.
- No prior experience required, though experience in banking, finance, or customer service is a strong advantage.
- Excellent verbal communication skills in Bahasa Indonesia and the ability to convey complex information clearly.
- Strong negotiation and persuasion abilities, with a focus on achieving mutually beneficial outcomes.
- High level of empathy, patience, and the ability to handle difficult conversations calmly.
- Proficiency with basic computer applications and familiarity with CRM or collection software.
- Ability to work independently, meet daily call targets, and manage time efficiently.
- Adaptability to evolving collection strategies and a willingness to continuously improve performance.
Benefits
- Competitive basic salary with performance‑based incentives.
- Overtime pay in accordance with labor regulations.
- Annual performance bonus and THR (religious holiday allowance).
- Comprehensive BPJS Kesehatan and BPJS Ketenagakerjaan coverage.
- PKWT (fixed‑term contract) compensation package with clear renewal pathways.
- Paid annual leave and additional statutory holidays.
- Stable Monday‑to‑Friday work schedule (08:00‑16:30) with no shift work.
- Opportunities for professional development and internal training programs.
About Company
Our client is a prominent Bank BUMN, recognized for its extensive network of branches across the archipelago and a strong commitment to inclusive financial services. As a state‑owned institution, the bank plays a crucial role in supporting national economic development, offering a wide range of products from retail loans to corporate financing. Employees enjoy a collaborative culture, robust governance standards, and a clear career progression path within one of Indonesia’s most respected financial entities.
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