job description
Join BCA Finance as a Recovery Consultant in the stunning Bali region and play a pivotal role in minimizing financial losses while delivering exceptional customer service. This position focuses on managing accounts with overdue payments (150+ days) through strategic coordination, negotiation, and recovery solutions.
As part of a leading financial services provider, you will work in a dynamic environment where your expertise in debt recovery and customer relations will directly impact the company’s financial health. Bali’s vibrant business landscape offers a unique opportunity to engage with diverse clients while enjoying the island’s unparalleled work-life balance.
We are seeking a proactive, results-driven professional with a strong ethical approach to collections. If you thrive in high-stakes negotiations and have a passion for problem-solving, this role is your chance to grow with one of Indonesia’s most trusted financial institutions.
Responsibility
- Manage a portfolio of delinquent accounts (150+ days overdue) and implement recovery strategies to minimize financial losses.
- Conduct thorough customer assessments to determine repayment capabilities and negotiate mutually beneficial settlement terms.
- Coordinate with internal teams (legal, credit, customer service) to ensure alignment on recovery actions and compliance with company policies.
- Maintain accurate and up-to-date records of all recovery activities, communications, and outcomes in the company’s CRM system.
- Develop and execute personalized recovery plans for high-value accounts, including payment restructuring or alternative solutions.
- Provide exceptional customer service during recovery interactions, preserving client relationships while achieving collection targets.
- Monitor and report on recovery performance metrics, identifying trends and recommending process improvements.
- Stay updated on regulatory requirements and industry best practices for debt recovery in Indonesia.
Qualifications
- Bachelor’s degree in Finance, Business, Economics, or a related field. Relevant experience may substitute for formal education.
- Minimum 2 years of experience in debt recovery, collections, or financial services, preferably in banking or fintech.
- Proven track record of successfully negotiating payment plans and recovering overdue accounts.
- Strong communication and interpersonal skills, with the ability to handle sensitive conversations professionally.
- Familiarity with Indonesian financial regulations and debt recovery laws (e.g., OJK guidelines).
- Proficiency in Microsoft Office (Excel, Word) and CRM/collection software.
- Highly organized, detail-oriented, and able to work under pressure to meet targets.
- Fluency in English and Bahasa Indonesia; additional local dialects (e.g., Balinese) are a plus.