Credit and Collection Officer

KMC Solutions; Philippines; Hybrid; PHP 260,000 - 420,000; Full time

Benefits offered by this job

HMO + free dependent

Access to KMC pantry (MadMax Coffee, F

Diverse learning & growth opportunites

Sprout Cloud HR platform

Job summary

KMC Solutions is seeking a Credit Collection Officer to manage and recover outstanding receivables through outbound calls to US-based customers. You will negotiate payment plans, settlements, or full balance payments while ensuring compliance with FDCPA and U.S. state regulations.

You’ll engage with executives and decision-makers, document outcomes in the system, and monitor accounts for timely follow-ups. The role offers a hybrid work setup, competitive compensation, and benefits including HMO

Qualifications

• Bachelor’s degree or relevant experience in finance, accounting, business, or related field.
• 2-5 years of experience in credit collections, call center collections, or BPO outbound calling.
• Experience handling U.S. accounts preferred.
• Strong verbal communication and negotiation skills.
• Willingness to work midshift.

Responsibilities

• Perform outbound collection calls to customers with past-due accounts in the U.S.
• Negotiate payment plans, settlements, or full balance payments according to policy
• Clearly explain account details, balances, payment terms, and consequences of non-payment
• Handle customer objections, disputes, and inquiries professionally and effectively
• Accurately document call outcomes, promises to pay, and account updates in the system
• Monitor assigned accounts and conduct timely follow-ups to ensure payment commitments are met
• Escalate complex or disputed accounts to the appropriate internal teams when necessary
• Ensure strict adherence to FDCPA, U.S. state regulations, and company compliance standards
• Consistently meet or exceed assigned collection and quality performance targets
• Maintain confidentiality and protect sensitive customer financial information

Skills

Verbal communication

Negotiation

Handling difficult conversations

Attention to detail

Education

Bachelor’s degree in Finance/Accounting

Tools

Sprout

Job description

The Credit Collection Officer is responsible for managing and recovering outstanding receivables through outbound phone calls to U.S.-based customers. The role focuses on negotiating payments, resolving delinquent accounts, and maintaining compliance with U.S. collection laws while delivering a professional customer experience.

• You’ll be interacting with key players such as C-level executives from enterprise-level organizations which can expand your skills and network.

• Making sound decision-making and flexibility to ensure team dynamics and productivity.

• Hybrid work setup

• Competitive salary and benefits

• HMO + free dependent

• Access to KMC's exclusive pantry (MadMax Coffee, Fresh Fridge)

• Diverse learning & growth opportunities

• Accessible Cloud HR platform (Sprout)

• Above standard leaves

• Perform outbound collection calls to customers with past-due accounts in the U.S.

• Negotiate payment plans, settlements, or full balance payments in accordance with company policy

• Clearly explain account details, balances, payment terms, and consequences of non-payment

• Handle customer objections, disputes, and inquiries professionally and effectively

• Accurately document call outcomes, promises to pay, and account updates in the system

• Monitor assigned accounts and conduct timely follow-ups to ensure payment commitments are met

• Escalate complex or disputed accounts to the appropriate internal teams when necessary

• Ensure strict adherence to FDCPA, U.S. state regulations, and company compliance standards

• Consistently meet or exceed assigned collection and quality performance targets

• Maintain confidentiality and protect sensitive customer financial information

• Bachelor’s degree or relevant experience in finance, accounting, business, or a related field preferred

• 2-5 years of experience in credit collections, call center collections, or BPO outbound calling

• Proven experience handling U.S. accounts is highly preferred

• Strong verbal communication and negotiation skills

• Ability to handle difficult conversations with confidence and professionalism

• Willingness to work midshift