Collections Officer | San Juan

BPI DIRECT BANKO,INC. A SAVINGS BANK; San Juan; On-site; PHP 420,000 - 700,000; Full time

Job summary

BPI Direct BanKo, Inc. is seeking a Collections Officer to oversee the delinquent loan portfolio within the assigned area and lead Collection Specialists and Motorized Collectors. You will drive portfolio recovery initiatives while ensuring compliance with policies and regulatory requirements.

The role requires 2–3 years in collections or credit operations, strong leadership, and proficiency with MS Office. Willingness to travel for field collection activities is essential.

Qualifications

• Bachelor's degree in Finance, Business Admin, Economics, Accounting, or related field.
• 2-3 years of experience in collections, loan recovery, remedial management, or credit operations, preferably in banking, financing, or microfinance institutions.
• Strong knowledge of collection processes, delinquency management, loan restructuring, skip tracing, and litigation proceedings.
• Good understanding of credit assessment principles, risk management, and the 4C's of Credit.
• Proven experience in leading, coaching, and developing collection teams, including field collectors and recovery personnel.
• Proficient in Microsoft Office applications, particularly Excel, Word, and PowerPoint.
• Strong analytical, negotiation, communication, and stakeholder management skills.
• Willing to travel and conduct field collection activities as required.

Responsibilities

• Lead collection operations across branches to achieve portfolio quality and recovery targets.
• Coordinate with Service Providers and Branch Managers on deployment and management of Motorized Collectors.
• Monitor daily activities of Collectors to meet performance metrics.
• Oversee collection efforts for delinquent accounts with proper documentation.
• Review Daily Delinquency Reports to identify priorities and risks.
• Conduct field visits and direct collection activities as needed.
• Manage documentary requirements for legal case filing and represent the organization in court when required.
• Develop and implement collection strategies, including loan restructurings.
• Provide leadership and coaching to Collection Associates and field staff.
• Submit accurate weekly, monthly, and annual portfolio and litigation reports.

Skills

Collection processes

Delinquency management

Loan restructuring

Skip tracing

Litigation

Team leadership

Microsoft Office

Communication

Field travel

Education

Bachelor's degree in Finance/Business Administration/Economics/Accounting

Tools

Microsoft Office

Job description

About the role

The Collections Officer is responsible for overseeing the delinquent loan portfolio within the assigned area and ensuring that all collection activities are executed in line with the approved Collection Roadmap. The role leads and develops Collection Specialists and Motorized Collectors, drives portfolio recovery initiatives, and ensures compliance with collection policies, procedures, and regulatory requirements to maintain portfolio quality.

What you'll be doing

• Lead and oversee collection operations across assigned branches and lending units to achieve portfolio quality and recovery targets.
• Coordinate with Service Providers and Branch Managers on the selection, deployment, rotation, performance evaluation, and incident management of Motorized Collectors.
• Partner closely with Branch Managers and Credit Officers to monitor and direct the daily activities of Motorized Collectors, ensuring achievement of agreed collection performance metrics.
• Monitor and supervise collection efforts for due, past-due, no initial payment, and litigated accounts, ensuring proper documentation and record-keeping of all collection activities.
• Review and analyze Daily Delinquency (DQ) Reports to identify collection priorities, emerging risks, and areas requiring intervention.
• Conduct field visits and direct collection activities for delinquent accounts, as necessary.
• Manage and ensure the completeness of documentary requirements for legal case filing and represent the organization during court hearings when required.
• Develop and implement collection and remedial strategies, including loan restructuring, staggered payment arrangements, and other portfolio rehabilitation programs.
• Provide leadership, coaching, and performance management to Collection Associates and field collection personnel.
• Consolidate and submit accurate weekly, monthly, and annual portfolio and litigation reports to Head Office.

What we're looking for

• Bachelor's Degree in Finance, Business Administration, Economics, Accounting, or a related field.
• Minimum of 2-3 years of experience in collections, loan recovery, remedial management, or credit operations, preferably within banking, financing, or microfinance institutions.
• Strong knowledge of collection processes, delinquency management, loan restructuring, skip tracing, and litigation proceedings.
• Good understanding of credit assessment principles, risk management, and the 4C's of Credit.
• Proven experience in leading, coaching, and developing collection teams, including field collectors and recovery personnel.
• Proficient in Microsoft Office applications, particularly Excel, Word, and PowerPoint.
• Strong analytical, negotiation, communication, and stakeholder management skills.
• Willing to travel and conduct field collection activities as required.

Who we are

BPI Direct BanKo, Inc., a wholly owned subsidiary of the Bank of the Philippine Islands (BPI), is committed to advancing financial inclusion. Through accessible, convenient, and affordable loan products, BanKo empowers self-employed microentrepreneurs (SEMEs) to fuel their operations and business growth. By enhancing the financial capabilities of its clients, BanKo aspires to positively impact their quality of life and play a pivotal role in fostering the economic growth of the Philippines.