Collection and Asset Recovery Services Officer

MASS-SPECC Cooperative Development Center; Cagayan de Oro; On-site; PHP 250,000 - 420,000; Full time

Job summary

// MASS-SPECC Cooperative Development Center is seeking a role focused on centralized support for delinquent loan account monitoring and collection activities across member cooperatives. You will coordinate with credit, collections and legal teams to implement strategies, negotiate settlements and manage asset recovery processes.

You will ensure documentation, confidentiality, and compliance with policies while maintaining strong coordination with cooperatives for payment arrangements and

Qualifications

• Ability to work closely with member cooperatives' credit, collections and legal teams.
• Provide technical guidance, templates and best practices to strengthen collection capacity.
• Maintain strict confidentiality of cooperative and borrower information.
• Uphold ethical, fair and professional collection practices aligned with cooperative values.

Responsibilities

• Provide centralized support for monitoring delinquent loan accounts endorsed by member cooperatives.
• Implement collection strategies for late-stage delinquencies in coordination with the concerned cooperative.
• Conduct follow-ups, negotiations and settlement discussions per approved policies.
• Coordinate with member cooperatives on payment arrangements, restructuring options and settlements.
• Support asset recovery actions, including repossession, custody, documentation and valuation.
• Coordinate with legal counsel and external service providers for recovery cases requiring action.
• Maintain complete and accurate case files for collection and asset recovery engagements.
• Ensure proper case escalation and handover from collections to asset recovery or legal action when warranted.
• Prepare regular reports on collection performance, recovery rates, asset status and timelines.
• Ensure activities comply with bylaws, MASS-SPECC policies, service agreements and applicable laws.

Skills

Cooperative collaboration

Collections guidance

Confidentiality

Ethical collections

Job description

About the role

This role provides centralized support for the monitoring and management of delinquent loan accounts endorsed by member cooperatives, implementing collection strategies for late-stage delinquencies and coordinating with cooperatives on payment arrangements, restructuring options, and compromise settlements.

Key responsibilities

• Provide centralized support for the monitoring and management of delinquent loan accounts endorsed by member cooperatives

• Implement collection strategies for late-stage delinquencies, in coordination with the concerned cooperative

• Conduct follow-ups, negotiations, and settlement discussions in accordance with approved policies and delegated authority

• Coordinate with member cooperatives in structuring payment arrangements, restructuring options, and compromise settlements

• Support member cooperatives in asset recovery actions, including repossession, custody, documentation, and valuation of recovered assets

• Coordinate with legal counsel, external service providers, and relevant authorities for recovery cases requiring legal or enforcement action

• Maintain complete and accurate case files for collection and asset recovery engagements

• Ensure proper case escalation, handover, and tracking from collections to asset recovery or legal action when warranted

• Prepare regular reports on collection performance, recovery rates, asset status, and case resolution timelines

• Ensure all activities comply with cooperative bylaws, MASS‑SPECC policies, service agreements, and applicable laws and regulations

About you

• Ability to work closely with member cooperatives' credit, collections, and legal teams to align strategies and actions

• Capability to provide technical guidance, templates, and best practices to strengthen cooperative-level collection and recovery capacity

• Ability to maintain strict confidentiality of cooperative and borrower information

• Capability to uphold ethical, fair, and professional collection practices consistent with cooperative values