Debt Collection Officer

Manatal; Philippines; Hybrid; PHP 335,000 - 513,000; Full time

Benefits offered by this job

Healthcare coverage on day one

Performance bonuses

Paid time-off with cash conversion

Job summary

MicroSourcing in the Philippines is hiring a Debt Collection Officer to manage overdue accounts through calls, emails, and mail, working in a hybrid, dayshift setup in Eastwood, Libis, Quezon City.

You will negotiate payment plans, review customer financials, maintain detailed CRM notes, and coordinate with internal teams and external financiers to resolve complex arrears while upholding compliance and professional service.

Qualifications

• Excellent communication and negotiation skills for difficult conversations.
• Commitment to regulatory and privacy standards.
• Strong record-keeping accuracy and attention to detail.
• Professionalism and sound judgment in challenging interactions.
• Ability to meet deadlines and reduce arrears targets.

Responsibilities

• Contact customers via phone, email, and mail to discuss overdue accounts.
• Negotiate feasible payment plans that comply with company policies.
• Evaluate customer financial situations to tailor repayment options.
• Maintain meticulous notes in the CRM for audit trails.
• Monitor accounts to ensure adherence to repayment schedules.
• Escalate high-risk or unresolved cases to the Team Leader.
• Address inquiries and resolve complaints professionally.
• Collaborate with Sales, Insurance, and Finance to resolve complex issues.

Skills

Communication & Negotiation

Ethics & Compliance

Detail-Oriented

Resilience

Target-Driven

Tools

CRM systems

Job description

Discover your 100% YOU with MicroSourcing!

Position: Debt Collection Officer
Location: Eastwood, Libis, Quezon City
Work setup & shift: Hybrid | Dayshift

Why join MicroSourcing?

You'll have:

Competitive Rewards: Enjoy above-market compensation, healthcare coverage on day one, plus one or more dependents, paid time-off with cash conversion, group life insurance, and performance bonuses
A Collaborative Spirit: Contribute to a positive and engaging work environment by participating in company-sponsored events and activities.
Work-Life Harmony: Enjoy the balance between work and life that suits you with flexible work arrangements.
Career Growth: Take advantage of opportunities for continuous learning and career advancement.
Inclusive Teamwork: Be part of a team that celebrates diversity and fosters an inclusive culture.

Your Role:

As a Debt Collection Officer, you will:

• Contact customers via phone, email, and mail to discuss overdue accounts and recover outstanding balances.
• Negotiate feasible payment plans and resolve arrears while staying strictly within internal company policies.
• Evaluate customer financial situations to provide tailored repayment options that ensure long-term recovery.
• Maintain meticulous and detailed notes within the CRM to provide a clear audit trail of all customer interactions.
• Monitor assigned accounts continuously to ensure that agreed-upon repayment schedules are being maintained.
• Escalate high-risk or unresolved cases to the Team Leader when standard collection efforts are exhausted.
• Address customer inquiries and complaints with a professional, empathetic, and resolution-focused approach.
• Coordinate with internal teams (Sales, Insurance, Income Support) and external partners (Financiers, Agencies) to resolve complex debt issues.

What You Need:

Non-negotiables

• Communication & Negotiation: Exceptional ability to handle difficult conversations calmly and persuade customers to commit to payment.
• Ethics & Compliance: Commitment to following regulatory and legal obligations, including privacy and ethical collection standards.
• Detail-Oriented: Strong record-keeping skills to ensure all data entry and account monitoring are 100% accurate.
• Resilience: Ability to maintain a high level of professionalism and sound judgment during challenging or confrontational interactions.
• Target-Driven: Demonstrated ability to work toward specific deadlines and arrears-reduction targets.

Preferred skills/expertise

• Previous experience in Collections, Customer Service, or a Call Centre environment.
• Basic computer literacy and prior experience using CRM or specialized collection systems.
• Understanding of the Australian financial landscape or debt collection legislation is a significant plus.
• Strong problem-solving skills to identify the root cause of non-payment and provide creative solutions.

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About MicroSourcing

With over 9,000 professionals across 13 delivery centers, MicroSourcing is the pioneer and largest offshore provider of managed services in the Philippines.

Our commitment to 100% YOU

MicroSourcing firmly believes that our company's strength lies in our people's diversity and talent. We are proud to foster an inclusive culture that embraces individuals of all races, genders, ethnicities, abilities, and backgrounds. We provide space for everyone, embracing different perspectives, and making room for opportunities for each individual to thrive.

At MicroSourcing, equality is not merely a slogan - it's our commitment. Our way of life. Here, we don't just accept your unique, authentic self - we celebrate it, valuing every individual's contribution to our collective success and growth.

Join us in celebrating YOU and your 100%! For more information, visit https://www.microsourcing.com/

*Terms & conditions apply