Collections Officer | Onsite | Clark | Mid Shift | Weekends Off | Day 1 HMO

Emapta; Pampanga; On-site; PHP 268,000 - 469,000; Full time

Benefits offered by this job

Day 1 HMO

Competitive salary package

Fixed weekends off

Salary advance program

Upskilling through Emapta Academy

Office gyms access

Lifestyle perks

Annual leave credits

Mentorship & global exposure

Career growth opportunities

Job summary

Emapta is seeking a Collections Officer in Pampanga to support Australian debt recovery with NCCP, Privacy Act, ASIC guidelines, and PPSR compliance. You will handle negotiations, skip tracing, asset recovery, and coordination with mercantile agents, police, and subcontractors.

This onsite role offers weekends off, HMO from day one, salary package, and opportunities for growth through Emapta Academy and global teams.

Qualifications

• 1 to 3 years experience in debt collection, recoveries, repossessions, or enforcement is highly regarded.
• Strong knowledge of Australian legislation and regulatory requirements, including the NCCP, Privacy Act, ASIC guidelines, PPSR processes, and financial hardship obligations.
• Proven negotiation skills, particularly in high-pressure or sensitive customer situations.
• Experience in skip tracing, asset recovery, or investigative techniques.
• Familiarity with mercantile agents, auction yards, and external contractors.
• Sound understanding of regulatory compliance frameworks and internal policies.
• Proficiency in collections and case management systems, online portals, and databases.
• Excellent written and verbal communication skills for effective coordination with customers, police, contractors, and internal stakeholders.

Responsibilities

• Ensure compliance with relevant legislation, internal policies, and regulatory guidelines.
• Promote effective customer service practices to support internal and external stakeholders.
• Strengthen team capabilities through best practices and legislative compliance.
• Tailor recovery strategies; negotiate with customers; base decisions on account circumstances.
• Identify hardship indicators in delinquent accounts.
• Perform skip tracing to locate assets or debtors.
• Coordinate with mercantile agents and auction yards for timely service.
• Manage daily agent requests via email, phone, and portals.
• Review accounts for potential write-offs after recovering options.
• Negotiate asset returns or repayments with debtors.
• Arrange repossessions, including voluntary surrenders and vehicle transport.
• Obtain vehicle valuations from auction yards.
• Liaise with police to recover impounded assets.
• Assess recovered vehicles and identify repairs.
• Manage vehicle keys and customer property.
• Prepare recovered vehicles for sale.
• Maintain relationships with field agents, auction yards and stakeholders.
• Support team processes while following procedures and regulatory requirements.

Skills

Negotiation skills

Skip tracing

Regulatory compliance

Customer communication

Asset recovery

Police liaison

Job description

Balance Financial Accountability With Fair Outcomes For Australian Borrowers

Champion financial accountability while making every recovery decision count. Pursue a Collections Officer opportunity contributing to compliant debt recovery and customer confidence in Australian lending. Support a finance company committed to flexible credit solutions and fair customer treatment. Through Emapta, strengthen your international collections credentials, deepen your regulatory expertise, and pursue meaningful career progression alongside top 1% talent worldwide.

Job Overview

• Employment type: Full-time
• Shift: Mid Shift | Weekends Off
• Work setup: Onsite | Hub Skyline, SM Clark, Pampanga

Exciting Perks Await!

• Day 1 HMO coverage with one free dependent
• Competitive salary package
• Prime office location in Pampanga (conveniently accessible by public utility vehicles, with nearby restaurants and banks)
• Fixed weekends off
• Salary Advance Program through our banking partner (Eligibility and approval are subject to bank assessment. Available to account holders with a minimum of 6 months of company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit: https://emapta.com/training-calendar/)
• Free 24/7 access to our office gyms in Ortigas and Makati, with a complimentary physical fitness trainer
• Exclusive Emapta Lifestyle perks, including hotel and restaurant discounts and more
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• A total of 20 annual leave credits for use at your discretion, including 5 credits convertible to cash
• Fun employee engagement activities
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

Qualifications & Experience

• 1 to 3 years experience in debt collection, recoveries, repossessions, or enforcement is highly regarded.
• Strong knowledge of Australian legislation and regulatory requirements, including the National Consumer Credit Protection Act (NCCP), Privacy Act, ASIC guidelines, Personal Property Securities Register (PPSR) processes, and financial hardship obligations.
• Proven negotiation skills, particularly in high-pressure or sensitive customer situations.
• Experience in skip tracing, asset recovery, or investigative techniques.
• Familiarity with mercantile agents, auction yards, and external contractors.
• Sound understanding of regulatory compliance frameworks and internal policies.
• Proficiency in collections and case management systems, online portals, and databases.
• Excellent written and verbal communication skills for effective coordination with customers, police, contractors, and internal stakeholders.

About You

• Resilient and composed under pressure, with the ability to manage difficult conversations professionally.
• Detail-oriented, with strong analytical, investigative, and decision-making skills.
• Resourceful and solution-oriented, with the ability to balance business objectives, regulatory compliance, and customer fairness.
• Collaborative and self-motivated, with the ability to contribute to team goals and work independently.
• Adaptable and proactive, with the ability to prioritize competing demands in a fast-paced environment.
• Trustworthy and discreet, with a strong commitment to integrity and confidentiality when handling sensitive customer and business information.
• Comfortable with office-based responsibilities and field agent coordination.
• Customer-focused, with a commitment to respectful and fair treatment of all parties.

Your Daily Tasks

Compliance & Customer Service

• Ensure compliance with relevant legislation, internal policies, and regulatory guidelines.
• Promote effective customer service practices to support internal and external stakeholders.
• Strengthen team capabilities through best practices and legislative compliance.

Collections, Negotiation & Recovery

• Tailor recovery strategies to individual accounts, negotiate effectively with customers, and make informed decisions based on account circumstances.
• Identify financial hardship indicators in highly delinquent accounts.
• Perform skip tracing to locate physical assets or debtors for recovery purposes.
• Conduct follow-ups with clients, subcontractors, and investigative leads.
• Coordinate with mercantile agents and auction yards to ensure efficient and timely service delivery.
• Manage daily agent requests through email, telephone, and online portals to ensure prompt responses and appropriate action.
• Review accounts for potential write-off following the exhaustion of recovery options.
• Negotiate the return of physical assets or repayment of outstanding balances with debtors.
• Arrange asset repossessions, including voluntary surrenders and vehicle transportation.
• Obtain vehicle valuations from auction yards to assess the economic viability of asset recovery.
• Liaise with police to facilitate the recovery of impounded assets.

Post-Repossession Vehicle Management

• Assess recovered vehicles and identify necessary repairs.
• Manage vehicle keys and customer property.
• Prepare recovered vehicles for sale.

Professional Relationships & Team Collaboration

• Maintain strong professional relationships with field agents, auction yards, and other stakeholders.
• Contribute to team processes and support colleagues while ensuring adherence to internal procedures and regulatory requirements.

About the Client

Our client is an Australian-owned finance provider specializing in flexible lending solutions for individuals and businesses. Established in 2010, they offer vehicle loans, personal loans, and business finance tailored to diverse financial circumstances, including customers with challenging credit histories. Their customer-focused approach combines responsible lending practices, personalized financial solutions, and transparent communication. Through dedicated customer support, financial hardship assistance, and practical repayment options, our client helps Australians access essential financing, overcome financial challenges, and pursue greater financial stability and long-term financial independence.

Join the Top 1% Talent. A better career. A better life.

Welcome to Emapta Philippines: home to professionals who choose growth, balance, and impact. Recognized as one of HR Asia's Best Companies to Work For in Asia 2026 for the fifth year in a row and winner of Inspiring Workplaces Australasia 2026, Emapta offers more than opportunities -- it provides a career environment where people thrive. Collaborate with global teams, build meaningful expertise, and grow in a culture that prioritizes both performance and well-being.