job description
Join Artha Permata Makmur, a leading financial services provider in Indonesia, as a Debt Collection Specialist in the vibrant region of Bali. This role is pivotal in maintaining our financial health by ensuring timely recoveries from delinquent accounts while upholding professionalism and customer relationships.
As part of our dynamic team, you will work in a fast-paced environment, leveraging your negotiation and communication skills to resolve overdue payments. This position offers a unique opportunity to contribute to the financial stability of our organization while growing your career in the banking and financial services sector.
Based in Denpasar, Badung, you will enjoy the work-life balance that Bali offers, combining professional growth with the island’s renowned lifestyle. Whether you are an experienced collector or looking to transition into financial services, this role provides the training and support to excel.
Responsibility
- Conduct outbound calls and follow-ups to clients with overdue payments, ensuring polite and professional communication.
- Negotiate repayment plans and settlements that align with company policies and client capabilities.
- Maintain accurate and up-to-date records of all collection activities, including call logs, payment promises, and agreements.
- Collaborate with internal teams to verify account details and resolve discrepancies in a timely manner.
- Provide clear and empathetic explanations of payment terms, late fees, and potential consequences of non-payment.
- Monitor and report on collection performance metrics, including recovery rates and aging reports.
- Adhere to all regulatory and ethical guidelines governing debt collection practices in Indonesia.
- Identify and escalate high-risk accounts that may require legal intervention or alternative recovery strategies.
Qualifications
- Minimum of 1-2 years of experience in debt collection, customer service, or a related financial role.
- Strong negotiation, persuasion, and problem-solving skills with a customer-centric approach.
- Excellent verbal and written communication skills in both Indonesian and English.
- Ability to work under pressure, meet targets, and handle rejection in a professional manner.
- Familiarity with financial services, banking products, or collection software is a plus.
- High school diploma or equivalent; a degree in Finance, Business, or a related field is advantageous.
- Proficient in Microsoft Office (Excel, Word) and comfortable learning new systems.
- Willingness to work in Denpasar, Badung, with possible occasional travel to other Bali regions.