Introduction
Adira Finance, a leading multifinance institution in Indonesia, is seeking a diligent and results‑driven Account Officer – Penanganan Masalah to join our Gresik, Jawa Timur office. The successful candidate will play a pivotal role in managing accounts receivable (A/R) overdue collections, ensuring timely recovery of outstanding payments, and supporting the company’s cash‑flow objectives. This full‑time position offers a structured Monday‑Saturday work week, with standard hours from 08:00 to 16:00, and is open to candidates who meet the educational and experiential criteria outlined below.
Responsibilities
- Handle and oversee the complete collection cycle for accounts overdue between 61 and 120 days, ensuring compliance with internal policies and regulatory standards.
- Develop and execute targeted communication strategies (phone calls, emails, and formal letters) to engage delinquent customers and negotiate repayment plans.
- Maintain accurate records of all collection activities, updating the CRM system with detailed notes, payment schedules, and status changes.
- Collaborate closely with the credit risk, legal, and sales teams to resolve disputes, verify documentation, and mitigate potential write‑offs.
- Monitor daily, weekly, and monthly collection metrics, preparing performance reports for senior management and recommending process improvements.
- Provide exceptional customer service by addressing client inquiries, explaining repayment options, and fostering a respectful, solution‑oriented dialogue.
- Identify trends in overdue accounts, conduct root‑cause analysis, and propose proactive measures to reduce future delinquencies.
- Participate in regular training sessions on negotiation techniques, regulatory changes, and best practices in multifinance collections.
Requirements
- Education: Minimum D3/D4 (associate degree) in any field; a bachelor’s degree (S1) is preferred.
- Experience: At least 1 year of experience in collections, credit management, or related financial services; 2 years of experience is considered a strong advantage.
- Age: Maximum 29‑30 years.
- Gender: Male candidates only, as stipulated by the posting.
- Technical Skills: Familiarity with B2C sales management, strong interpersonal communication, negotiation tactics, and an ability to meet aggressive collection targets.
- Personal Attributes: High integrity, perseverance, meticulous attention to detail, honesty, and a customer‑centric mindset.
- Industry Knowledge: Understanding of multifinance business processes, credit risk assessment, and regulatory compliance.
- Location: Must be domiciled in or willing to relocate to Gresik, Jawa Timur.
Benefits
- Competitive base salary with performance‑based incentives tied to collection recovery rates.
- Comprehensive health insurance covering medical, dental, and vision expenses.
- Professional development programs, including certification courses and on‑the‑job training.
- Paid annual leave, sick leave, and statutory holidays.
- Transportation allowance or company‑provided vehicle for field visits.
- Employee assistance programs that support work‑life balance and mental well‑being.
- Opportunity for career advancement within a fast‑growing finance organization.
About Company
Adira Finance is a prominent player in Indonesia’s consumer financing sector, offering a wide range of products such as vehicle loans, personal loans, and micro‑credit solutions. With a strong commitment to financial inclusion, the company serves millions of customers across the archipelago, leveraging technology and data‑driven insights to deliver transparent and affordable financing options. Our culture emphasizes ethical conduct, continuous learning, and a collaborative environment where every employee can make a meaningful impact on the financial wellbeing of our clients.
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