Commercial (B2B) Debt Collector

Hillcrest, Davidson and Associates LLC; Cebu City; On-site; PHP 300,000 - 540,000; Full time

Benefits offered by this job

Competitive base salary

Performance-based incentives

Exposure to US recovery operations

Training and career growth

Job summary

Hillcrest, Davidson & Associates is seeking an on-site debt collections specialist in IT Park, Cebu City, to manage US commercial accounts and drive recoveries. You will contact business owners by phone and email, review disputes, and negotiate settlements, with strict adherence to deadlines and procedures.

The role requires 1+ year of B2B debt collection experience, strong English communication, and the ability to work nights aligned to US hours, within a fast-paced team environment.

Qualifications

• 1+ year of hands-on B2B debt collection experience, preferably with US commercial accounts.
• Working knowledge of US commercial collection processes and mechanic's liens.
• Strong negotiation, dispute-resolution, and objection-handling skills.

Responsibilities

• Manage an assigned portfolio of US commercial collection accounts and maintain consistent follow-up.
• Contact businesses by phone and email to pursue outstanding balances and secure payment commitments.
• Review contracts, invoices, and supporting docs to substantiate claims and advance recovery.
• Investigate disputes, identify missing information, and obtain needed documentation.
• Negotiate settlements and payment arrangements within approved authority and monitor compliance.
• Understand mechanic's lien processes and coordinate with management and counsel as needed.
• Identify accounts requiring lien review or legal escalation; coordinate with team.
• Maintain accurate account notes and provide clear status updates.
• Meet recovery targets and adhere to laws and company procedures.

Skills

B2B debt collection

US commercial collections

Negotiation

Dispute-resolution

Professional English

Stakeholder communication

Attention to detail

Multitasking under pressure

Night shift readiness

Job description

About the role

This is a demanding, results-driven collections role. You will manage commercial accounts, investigate nonpayment, address disputes, negotiate payment arrangements, and follow through until commitments are fulfilled. You must be comfortable speaking directly, and sometimes aggressively, with business owners, CEOs, CFOs, accounting departments, and authorized representatives.

Key responsibilities

• Manage an assigned portfolio of US commercial collection accounts and maintain consistent, purposeful follow-up.
• Contact businesses by phone and email to pursue outstanding balances, establish the reasons for nonpayment, and secure payment commitments.
• Review contracts, invoices, account statements, correspondence, and supporting documentation to understand and substantiate claims.
• Investigate disputes, identify missing information, and obtain documentation needed to advance recovery efforts.
• Negotiate settlements and payment arrangements within approved authority, monitor compliance, and promptly address missed payments.
• Understand mechanic's lien processes, including preliminary notices, recording requirements, deadlines, releases, and foreclosure referrals, while recognizing that requirements vary by jurisdiction.
• Identify accounts requiring lien review or legal escalation and coordinate with management, investigators, and counsel.
• Maintain accurate account notes, document communications, and provide clear status updates.
• Meet established recovery targets, activity requirements, and quality standards while following applicable laws and company procedures.

About you

• At least one (1) year of hands-on B2B debt collection experience, preferably involving US commercial accounts.
• Working knowledge of US commercial collection processes and mechanic's liens.
• Strong negotiation, dispute-resolution, and objection-handling skills.
• Professional, business-level English fluency, both written and spoken.
• Ability to communicate firmly and professionally with senior decision-makers.
• Strong attention to detail when reviewing documents, recording account activity, and tracking deadlines.
• Ability to manage multiple accounts, prioritize follow-up, and work effectively under pressure.
• Willingness to work strictly on-site in IT Park, Cebu City, on a night shift aligned with US business hours.

Benefits

• Competitive base salary.
• Performance-based incentives with strong earning potential.
• Direct exposure to US commercial recovery operations.
• Training and ongoing professional development.
• Career growth opportunities for consistent performers.

About us

Hillcrest, Davidson & Associates is a US-based commercial debt recovery firm specializing in business-to-business collections. We work across industries to recover unpaid balances, resolve disputed accounts, and coordinate lien enforcement and legal referrals.