Collections Specialist

Choco Up; Sydney; On-site; AUD 80,000 - 105,000; Full time

Job summary

Choco Up, a leading APAC fintech and growth financing platform, seeks an experienced Collections Specialist based in Sydney to manage a portfolio of commercial lending accounts. You will handle arrears through structured recovery, while upholding responsible lending standards and professional stakeholder engagement.

The role focuses on high-value, bespoke SME accounts, requiring relationship management, judgment, and disciplined processes in a dynamic growth environment.

Qualifications

• 3–5 years' experience in collections, credit, or recoveries within unsecured lending or alternate financing.
• Working knowledge of Australian responsible lending and debt collection obligations.
• Confident, empathetic negotiator with a solutions-focused, professional tone.

Responsibilities

• Manage a portfolio of commercial lending and trade finance accounts across arrears, from early follow-up to late-stage recovery.
• Proactively contact customers to resolve overdue balances, negotiating repayment plans and structured resolutions.
• Assess each account's circumstances and apply judgment on the right recovery approach, escalation path, or hardship accommodation.
• Maintain accurate, up-to-date account records and collection notes in the loan management system.
• Identify early risk signals and flag complex/high-risk or dispute cases to the Business Lead.
• Liaise with internal stakeholders on escalation, restructuring, or legal recovery needs.
• Ensure all collections activity complies with responsible lending and regulatory obligations.
• Contribute to continuous improvement of collections workflows, templates, and communication.

Skills

Collections experience

Credit & Recoveries

Negotiation

Empathy & communication

Job description

Choco Up is Asia-Pacific's premier technology and financial services platform, pioneering zero-equity growth financing and intelligent business solutions for digital merchants and SMEs.

Recognized by CNBC, Tech in Asia and Statista as one of the Top Fintech Companies in Alternative Financing, Choco Up uses data analytics and machine intelligence to automate non-dilutive funding, allowing businesses to scale without giving up equity.

Operating across Hong Kong, Singapore and Australia, we provide a complete growth ecosystem of strategic capital, real-time analytics, and global payment solutions.

We're looking for an experienced Collections Specialist based in Sydney to manage a portfolio of commercial lending and trade finance accounts across the debt lifecycle, from early follow-up through to structured recovery on more complex, later-stage cases. This is a commercial/SME-focused collections role, not high-volume consumer collections: you'll be managing a smaller number of higher-value, more bespoke accounts that require judgment and relationship management as much as process discipline.

How you will make an impact:

• Manage a portfolio of commercial lending and trade finance accounts across all stages of arrears, from early-stage follow-up through late-stage recovery.
• Proactively contact customers to resolve overdue balances, negotiating realistic repayment plans and structured resolutions.
• Assess each account's circumstances and apply judgment on the right recovery approach, escalation path, or hardship accommodation.
• Maintain accurate, up-to-date account records and collection notes in the loan management system.
• Identify early risk signals across the portfolio and flag complex, high-risk, or dispute cases to the Business Lead.
• Liaise with internal stakeholders on accounts requiring escalation, restructuring, or legal recovery.
• Ensure all collections activity is conducted in line with responsible lending practices and applicable regulatory obligations.
• Contribute to the continuous improvement of collections workflows, templates, and communication approaches as the function scales.

What makes you a great fit:

• 3–5 years' experience in collections, credit, or recoveries within an unsecured lending firm or alternate financing industry.
• Working knowledge of Australian responsible lending and debt collection obligations.
• Confident, empathetic negotiator and comfortable holding difficult conversations while maintaining a solutions-focused, professional tone.