Collections Officer

Educ4All Lending, Inc.; Metro Manila; On-site; PHP 240,000 - 360,000; Full time

Job summary

InvestEd is seeking a Collections Officer to uphold high standards in debt recovery while protecting borrowers. You will manage delinquent accounts, engage student borrowers through approved channels, and negotiate repayment plans that are fair and feasible.

The role requires careful documentation of commitments and proactive collaboration with other teams to resolve repayment blockers. Ideal candidates have at least one year in microfinance collections, strong negotiation and communication

Qualifications

• At least 1 year of hands-on collections experience in microfinance.
• Genuine commitment to responsible lending and fair borrower treatment.
• Ability to interpret account information, payment histories and collection performance data.
• Strong negotiation and communication skills.
• Good judgment, accountability and attention to detail.
• Proficiency in Microsoft Office or Google Workspace.

Responsibilities

• Manage delinquent accounts and follow up on outstanding repayments.
• Engage student borrowers through authorized communication channels.
• Negotiate realistic repayment arrangements and monitor commitments.
• Identify repayment barriers and recommend appropriate next steps.
• Maintain accurate account records and collection reports.
• Work with other teams to resolve issues affecting repayment.

Skills

Negotiation

Communication

Data interpretation

Attention to detail

Tools

Microsoft Office

Google Workspace

Job description

At InvestEd, strong collection performance never justifies harassment or inappropriate collection practices. Collections is more than following up on overdue payments. It is about helping borrowers meet their financial obligations while supporting responsible lending and sustainable repayment.

We expect every Collections Officer to uphold the following standards:

• No harassment or intimidation. We do not tolerate threats, abusive language, humiliation, discrimination, or coercive collection tactics.

• No misleading representations. Borrowers must receive accurate information about their obligations, available options, and applicable collection processes.

• Respect borrower privacy. Personal and loan information must be handled confidentially and disclosed only when legally and properly authorized.

• Negotiate professionally. Collection Officers must pursue repayment firmly but respectfully, using appropriate and lawful methods.

• Maintain integrity. Collection activities, borrower commitments, and account records must be documented accurately and truthfully.

We believe effective collections requires both results and responsibility. You should be able to negotiate firmly, remain resilient under pressure, and treat borrowers with dignity.

What You'll Do

• Manage delinquent accounts and follow up on outstanding repayments

• Engage student borrowers through authorized communication channels

• Negotiate realistic repayment arrangements and monitor commitments

• Identify repayment barriers and recommend appropriate next steps

• Maintain accurate account records and collection reports

• Work with other teams to resolve issues affecting repayment.
  

What We're Looking For

• At least one year of hands-on collections experience in microfinance

• Genuine commitment to responsible lending and fair borrower treatment

• Ability to interpret account information, payment histories, and collection performance data

• Strong negotiation and communication skills

• Good judgment, accountability, and attention to detail

• Proficiency in Microsoft Office or Google Workspace