Collections Specialist

InLife Benefits PH; Cebu City; On-site; PHP 279,000 - 446,000; Full time

Job summary

InLife Benefits PH in Cebu City is seeking a collections associate to contact customers with outstanding accounts via phone, email, and written correspondence to recover payments. You will negotiate payment arrangements, maintain accurate records, monitor status, escalate as needed, and collaborate across departments while ensuring compliance with consumer protection laws.

Ideal candidates have proven collections experience, strong communication and negotiation skills, and the ability to manage

Qualifications

• Proven experience in a collections or debt recovery role, ideally in financial services.
• Strong verbal and written communication with diverse customers.
• Excellent negotiation and interpersonal skills under pressure.
• Proficiency with collections software and common systems.
• Solid understanding of consumer protection laws and ethics.
• Strong organizational skills and ability to multi-task.
• Attention to detail and accuracy in records.
• Goal-oriented with a track record of achieving targets.
• High level of integrity and professionalism when handling sensitive data.
• Fluency in English; other local languages are advantageous.

Responsibilities

• Contact customers with outstanding accounts via telephone, email, and written correspondence to facilitate payment recovery.
• Negotiate payment arrangements and develop mutually acceptable solutions with customers.
• Maintain accurate and comprehensive records of all collection activities in the designated system.
• Monitor account status and follow up on payment commitments to reduce defaults.
• Escalate accounts requiring management intervention per company procedures.
• Prepare collection reports and provide regular updates on status and performance metrics.
• Comply with consumer protection laws and company collection policies during activities.
• Assist in the preparation of documentation for legal action where necessary.
• Collaborate with other departments to resolve customer queries and account discrepancies.

Skills

Collections experience

Verbal and written communication

Negotiation and interpersonal skills

Proficiency with collections software

Knowledge of consumer protection laws

Organizational and time management

Attention to detail

Target-driven mindset

Integrity and professionalism

Fluency in English

Tools

Collections software

Job description

• Contact customers with outstanding accounts via telephone, email, and written correspondence to facilitate payment recovery
• Negotiate payment arrangements and develop mutually acceptable solutions with customers to resolve delinquent accounts
• Maintain accurate and comprehensive records of all collection activities, communications, and outcomes in the designated system
• Monitor account status and follow up on payment commitments to ensure compliance and reduce the rate of default
• Escalate accounts that warrant special attention or require management intervention in accordance with company procedures
• Prepare collection reports and provide regular updates on account status and collection performance metrics
• Comply with all relevant consumer protection legislation and company collection policies during all collection activities
• Assist in the preparation of documentation required for legal action where necessary
• Collaborate with other departments to resolve customer queries and account discrepancies

REQUIREMENTS:

• Proven experience in a collections, credit management, or debt recovery role, ideally within the insurance or financial services sector
• Strong verbal and written communication skills with the ability to communicate effectively and professionally with customers from diverse backgrounds
• Excellent negotiation and interpersonal skills, with the capacity to remain calm and courteous under challenging circumstances
• Proficiency in using collections software and computer systems, with the ability to quickly learn new technologies
• Solid understanding of consumer protection laws and ethical collection practices
• Strong organizational and time management skills with the ability to prioritize multiple accounts effectively
• Attention to detail and accuracy in record-keeping and documentation
• Target-driven mindset with demonstrated ability to achieve or exceed performance objectives
• High level of integrity and professionalism when handling sensitive financial information
• Fluency in English; proficiency in additional local languages is advantageous