Introduction

Adira Finance, one of Indonesia’s leading multi‑finance institutions, is seeking a motivated Remedial Officer for its Pacitan branch in Jawa Timur. This entry‑level to early‑career position offers a dynamic environment where you will play a critical role in ensuring the timely collection of overdue accounts receivable (A/R). The role is ideal for recent graduates or professionals with a strong sense of responsibility, integrity, and a passion for achieving financial targets.

Responsibilities

Manage and oversee the entire A/R overdue collection process, ensuring all payments are received within stipulated deadlines.
Monitor daily, weekly, and monthly delinquency reports to identify high‑risk accounts and prioritize collection actions.
Conduct outbound calls, send reminder letters, and arrange face‑to‑face meetings with delinquent borrowers to negotiate repayment plans.
Collaborate closely with the sales and underwriting teams to verify account information, resolve disputes, and update customer records accurately.
Prepare and present regular collection performance reports to senior management, highlighting key trends, recovery rates, and any escalated issues.
Maintain compliance with internal policies and external regulations, documenting all collection activities in the company’s CRM system.
Assist in developing and refining collection strategies, including the use of digital payment reminders and automated workflow tools.
Provide exceptional customer service by addressing borrower concerns, offering feasible repayment solutions, and preserving the company’s reputation.
Participate in training sessions and continuous improvement initiatives to stay updated on industry best practices and regulatory changes.

Requirements

Minimum education: Diploma (D3) or Bachelor’s degree (S1) in any discipline; high school (SMA/SMK) graduates are also considered.
Open to fresh graduates; however, 1 + year of experience in collections, credit control, or a related financial role is a strong advantage.
Maximum age limit: 30 years.
Strong understanding of multi‑finance business processes and a results‑oriented mindset.
Excellent interpersonal and communication skills, with proven negotiation abilities.
High level of integrity, diligence, attention to detail, and honesty.
Ability to adapt quickly to sales‑driven environments and meet strict collection targets.
Proficiency in Microsoft Office (Excel, Word) and familiarity with CRM or collection software.
Gender: All genders are welcome to apply.
Work schedule: Monday – Saturday, 08:00 – 16:00, based at the Adira Finance Pacitan office.

Benefits

Competitive base salary with performance‑based incentives.
Health insurance coverage for employee and eligible dependents.
Transportation allowance or company‑provided shuttle service.
Professional development programs, including on‑the‑job training and certification support.
Opportunities for career advancement within Adira Finance’s nationwide network.
Paid leave, including annual, sick, and maternity/paternity leave in accordance with Indonesian labor law.
Friendly and collaborative workplace culture that values teamwork and personal growth.

About Company

Adira Finance has been empowering individuals and small‑medium enterprises across Indonesia since its founding, offering a wide range of financing solutions such as motor vehicle loans, consumer credit, and micro‑enterprise funding. With a strong commitment to financial inclusion, the company operates over 300 branches nationwide and leverages advanced digital platforms to streamline loan processing and collections. By joining Adira Finance, you become part of a forward‑thinking organization that values ethical conduct, customer satisfaction, and continuous innovation in the financial services sector.