Collection Officer

Cash Management Finance, Inc; Pangasinan; On-site; PHP 279,000 - 446,400; Full time

Job summary

Cash Management Finance, Inc in Pangasinan is seeking a professional for collections management. The role involves monitoring overdue loan accounts, contacting clients via calls and field visits, and negotiating payment arrangements. Ideal candidates should possess a bachelor's degree in related fields and strong communication skills. Experience in collections or lending operations is a plus. This position demands detail orientation and professionalism in all client interactions.

Qualifications

• Experience in collections, credit, or lending operations is an advantage.
• Knowledge of financing/lending processes and basic collection laws is required.
• Ability to handle difficult conversations with professionalism.

Responsibilities

• Monitor and manage assigned loan accounts with overdue balances.
• Contact clients to follow up on outstanding payments.
• Negotiate payment arrangements per company policies.
• Conduct collection activities in compliance with laws.
• Maintain accurate records of collection efforts.
• Prepare regular collection reports on delinquent accounts.

Skills

Communication skills

Negotiation skills

Interpersonal skills

Detail-oriented

Organizational skills

Education

Bachelor's degree in Criminology, Business Administration, Finance or related field

Job description

Job Description

Qualifications

• Bachelor's degree in Criminology, Business Administration, Finance or a related field preferred.
• Experience in collections, credit or lending operations is an advantage.
• Knowledge of financing/lending processes and basic collection laws and regulations.
• Strong communication, negotiation, and interpersonal skills.
• Ability to handle difficult conversations with professionalism and respect.
• Detail-oriented, organized and capable of managing multiple accounts.
• Willingness to conduct field collection activities when required.
• High level of integrity, confidentiality, and accountability.

Responsibilities

• Monitor and manage assigned loan accounts with overdue or delinquent balances.
• Contact clients through calls, messages, emails and field visits to follow up on outstanding payments.
• Negotiate payment arrangements and settlement plans in accordance with company policies.
• Conduct collection activities professionally, ethnically, and in compliance with applicable laws and regulations.
• Maintain accurate records and collection efforts, client communications, and payment commitments.
• Coordinate with branch personnel and other departments regarding account status and collection strategies.
• Prepare regular collection reports and updates on delinquent accounts.
• Assist in account remediation, restructuring or endorsement for legal action when necessary.
• Educate clients on payment schedules, penalties and loan terms to prevent future delinquency.