Collections Specialist

Savvy Loans; Metro Manila; Remote; PHP 882,000 - 1,323,000; Full time

Job summary

Savvy Loans in the Philippines (remote) is seeking a Collections Agent to contact US customers with past-due loans, negotiate payment options, and secure promises to pay. You will handle outbound and inbound calls, document outcomes, and follow up to ensure accounts stay on a feasible path to resolution.

Ideal candidates have US collections experience, strong English, and comfort with 300+ dials daily. You will operate within compliant procedures while supporting customers with empathy and

Qualifications

• High school diploma or higher education completed.
• Experience with US collections across buckets (0–30 to 120+).
• Professional level English, both speaking and writing.
• Comfort with high daily call volume and meeting targets.
• Experience using dialer systems and loan-management tools.

Responsibilities

• Make outbound calls and handle inbound calls for past-due loans.
• Offer options: full payment, partial, payment plan or reschedule.
• Secure promises to pay and record in loan system.
• Follow up on promises, remind due dates, and manage broken promises.
• Take payments by phone using approved methods.
• Answer questions about balances, due dates, and history.
• Write clear notes after each contact in ACW time.
• Send follow-up emails using approved templates.
• Identify cases needing special handling and route appropriately.
• Remain calm with upset customers and escalate when needed.

Skills

US collections experience

Dialer systems

English proficiency

High-volume calling

Documentation & note-taking

Education

High School Diploma or Graduate

Tools

Dialer software

Job description

Key responsibilities

Collections Agents contact US customers with past-due loans, agree on a realistic way to bring the account current, and follow up until the payment is made, always within federal and state collection laws.

Make outbound calls through the dialer and handle inbound calls from customers with past-due accounts.

Understand the reason for delinquency and offer the right option: full payment, partial payment, payment plan or a rescheduled payment.

Secure promises to pay (PTPs) the customer can realistically keep, and set them up correctly in the loan management system.

Follow up on promises, remind customers before due dates, and work broken promises and returned payments.

Take payments over the phone using approved, secure methods like ACH & Cards.

Answer customer questions about balances, fees, due dates and payment history clearly and accurately.

Pick the correct call outcome (disposition) and write clear account notes after every contact, within the after-call work (ACW) time allowed.

Send follow-up emails using approved templates only.

Spot customers who need special handling, such as hardship, bankruptcy, active-duty military, disputes, fraud, identity theft or a deceased borrower, and route them to the right team.

Handle upset or difficult customers calmly and professionally; elevate complaints to a team lead.

About you

Graduate or High School Diploma.

Prior experience on Dialer in US Collections environment.

US Collections Experience for All Collection Buckets (0-30, 30-60, 60-90, 90-120, 120+).

Mid to High Dollar Balance Collections ($200 to $5000).

At least 2 years of solid & progressive experience in collections in a contact center environment.

Professional level spoken and written English.

Comfortable making a high volume of calls (often 300+ dials a day) and working toward daily targets.

Able to stay calm, polite; acts as a problem solver and firm with upset customers.

Basic computer skills: typing, moving between several screens, and using web-based systems.

Strong attention to detail and accurate note-taking.

About us

Savvy Loans provides consumer loans to customers across the United States. Savvy is built on a foundation of trust and success. We believe financial support should be accessible to everyone, and that long-term stability matters just as much as short-term solutions. The Collections team works accounts that have missed a scheduled payment. Our goal is to help customers get back on track with a plan they can keep, while treating every customer with respect and following the law on every call, text, chat and email.