Collections Associate

Tonik Bank; Pasig; On-site; PHP 268,000 - 357,000; Full time

Job summary

Tonik Bank Philippines is seeking a Collections Associate for our Operations team. You'll negotiate with delinquent clients, educate them on credit obligations, and help protect customers' financial wellbeing while staying compliant with regulations.

This role requires 2–3 years in collections, familiarity with local rules, and proficiency in MS Office and collection systems. A fast-paced startup culture awaits with growth opportunities.

Qualifications

• 2–3 years of proven experience in collections or a related field.
• Familiar with collection techniques and local regulations.
• Comfortable using MS Office and collection systems.
• Strong negotiation and problem-solving skills.

Responsibilities

• Negotiate with delinquent clients to secure payment commitments.
• Educate clients on credit obligations and guide them toward financial health.
• Use skip tracing tools to locate clients and resolve issues.
• Maintain client accounts with timely follow-ups and escalate when necessary.
• Adhere to Central Bank regulations and Tonik's internal collection policies.
• Be flexible in tackling new tasks as the landscape evolves.

Skills

Negotiation

Problem solving

Target orientation

Fast-paced

Financial inclusion

Tools

MS Office

Collection systems

Fintech tools

Job description

Collections Associate

Philippines - Operations

As a Collections Associate at Tonik, you won't just be chasing payments—you'll be making a real impact on our customers' financial wellbeing. You'll balance empathy with efficiency, offering smart solutions while ensuring compliance with regulations.

Responsibilities

• Negotiate with delinquent clients to secure payment commitments and educate them on the importance of maintaining good credit standing.
• Provide clients with knowledge about their credit obligations and guide them towards financial health.
• Use skip tracing tools to find clients and resolve issues quickly, always ensuring accuracy.
• Stay on top of client accounts, ensuring timely follow-ups and escalating matters when necessary.
• Keep client information up-to-date in our system, ensuring seamless data flow across teams.
• Adhere to the Central Bank's regulations and Tonik's internal collection policies to ensure best-in-class service.
• Be flexible in tackling new tasks as the landscape evolves—because at Tonik, we're constantly innovating.
• Perform other tasks as assigned by Management to fulfil organizational and regulatory requirements.

Qualification

• You've got 2-3 years of proven experience in collections or a related field.
• You're familiar with collection techniques, local regulations, and the digital tools that make it all happen.
• You're comfortable using MS Office and other collection systems. Bonus points for familiarity with new fintech tools.
• You know how to find solutions that benefit both the customer and the company—using your strong negotiation and problem-solving skills.
• You're comfortable with a fast-paced environment and eager to grow in a startup culture that's all about agility and innovation.
• You're highly motivated to meet targets and help us achieve our mission of financial inclusion for all.