Debt Collection Officer

IBS Business Solution (Pvt.) Ltd.; Karachi Division; On-site; PKR 670,000 - 1,004,000; Full time

Benefits offered by this job

Incentive Bonus

Life Insurance

Medical

Sports and Entertainment

Job summary

IBS Business Solution Pvt Ltd is seeking a Debt Collection Officer in Karachi to manage assigned accounts, contact customers, and support timely recovery while safeguarding client relationships and adhering to approved procedures.

You will handle overdue balances, verify amounts, negotiate payment plans, and maintain precise records. The role requires strong communication, ethical recovery practices, and note keeping across databases and collection systems.

Qualifications

• Practical knowledge of debt collection, credit control, payment follow-up, and account recovery procedures.
• Strong verbal and written communication skills for handling sensitive customer conversations.
• Ability to review account statements, identify discrepancies, and explain balances clearly.
• Confident negotiation skills for arranging realistic payment plans within approved policies.
• Accurate record keeping, case documentation, follow-up scheduling, and status reporting.
• Professional judgment when handling disputes, complaints, escalations, and confidential information.

Responsibilities

• Contact customers through approved communication channels to discuss overdue balances and payment options.
• Review account records, verify outstanding amounts, and maintain accurate collection notes.
• Negotiate practical repayment arrangements within company guidelines and document commitments.
• Follow up on promised payments, monitor account status, and escalate complex or disputed cases.
• Coordinate with internal teams and provide clear updates on recovery progress and account outcomes.
• Handle customer interactions professionally, respectfully, and confidentially.

Skills

Debt collection

Credit control

Payment follow-up

Account recovery

Negotiation

Record keeping

Dispute handling

Spreadsheets

Customer databases

Collection systems

Office software

Tools

Spreadsheets

Customer databases

Collection systems

Office software

Job description

Job Description:

IBS Business Solution Pvt Ltd is a Karachi-based debt collection and recovery agency supporting businesses across the UAE. The company handles commercial collections, consumer debt recovery, and cross-border debt management through professional, ethical, and relationship-focused practices.

We are seeking a Debt Collection Officer to manage assigned accounts, communicate with customers, and support timely recovery while protecting client relationships and complying with approved procedures.

• Contact customers through approved communication channels to discuss overdue balances and payment options.
• Review account records, verify outstanding amounts, and maintain accurate collection notes.
• Negotiate practical repayment arrangements within company guidelines and document commitments.
• Follow up on promised payments, monitor account status, and **escalate** complex or disputed cases.
• Coordinate with internal teams and provide clear updates on recovery progress and account outcomes.
• Handle customer interactions professionally, respectfully, and confidentially.

Job Specification:

• Practical knowledge of debt collection, credit control, payment follow-up, and account recovery procedures.
• Strong verbal and written communication skills for handling sensitive customer conversations.
• Ability to review account statements, identify discrepancies, and explain balances clearly.
• Confident negotiation skills for arranging realistic payment plans within approved policies.
• Accurate record keeping, case documentation, follow-up scheduling, and status reporting.
• Professional judgment when handling disputes, complaints, escalations, and confidential information.
• Comfort using spreadsheets, customer databases, collection systems, and standard office software.
• Resilience, attention to detail, target orientation, and adherence to ethical recovery practices.

Job Rewards and Benefits:

• Communication
• Incentive Bonus
• Life Insurance
• Medical
• Sports and Entertainment