Collections Associate

Tonik Digital Bank, Inc.; Philippines; On-site; PHP 279,000 - 390,600; Full time

Job summary

Tonik Digital Bank, Inc. is seeking a Collections Associate dedicated to improving clients' financial wellbeing. You'll negotiate with clients, guide them on credit obligations, and utilize tools to resolve payment issues efficiently.

The ideal candidate will have 2-3 years of experience in collections, strong negotiation skills, and a willingness to work in a dynamic startup environment. Join us in our mission of financial inclusion for everyone.

Qualifications

• 2-3 years of proven experience in collections or a related field.
• Familiarity with collection techniques and local regulations.
• Proficient in MS Office and other collection systems.

Responsibilities

• Negotiate with clients to secure payment commitments.
• Educate clients on maintaining good credit standing.
• Use skip tracing tools to resolve client issues.

Skills

Collections experience

Negotiation skills

Problem-solving skills

Familiarity with MS Office

Knowledge of local regulations

Familiarity with fintech tools

Job description

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.