Collection Officer

Key Responsibilities

The Collection Specialist will be responsible for managing overdue accounts and executing collection and recovery strategies. The primary objective is to maximize recovery rates, minimize credit risk, and support customers in finding suitable repayment solutions.

Collections & Recovery

• Monitor and assess customer accounts to identify early signs of payment delays and potential default risks.
• Proactively engage customers through phone calls, emails, messaging platforms, and other communication channels to facilitate collections.
• Negotiate repayment arrangements, debt restructuring plans, settlements, and other appropriate recovery solutions.
• Follow up on payment commitments and ensure agreed repayment schedules are fulfilled.

Site Visits & Business Verification

• Conduct field visits and site inspections when necessary to verify business operations, assess repayment capacity, and support collection efforts.
• Prepare site visit reports and document findings accurately.
• Collaborate with internal stakeholders to develop recovery strategies for higher-risk accounts.

Portfolio Management

• Maintain accurate and up-to-date records of customer interactions, collection activities, agreements, and supporting documentation.
• Ensure all collection activities comply with internal policies and applicable regulations.
• Closely monitor assigned portfolios and promptly escalate emerging risks.

Process Improvement

• Recommend initiatives to improve collection effectiveness and operational efficiency.
• Contribute to collection and risk management strategies aimed at reducing delinquency and charge-off rates.

Yêu cầu ứng viên

Qualifications & Requirements

• Bachelor's degree in Finance, Banking, Business Administration, Law, or a related field.
• Minimum 3 years of experience in Financial Services, Banking, Fintech, or related industries.
• Proven collection experience is a must
• Having worked in collections for SME or Commercial Collections will be a additional benefit.
• Willingness to travel and meet customers in person when required.

Preferred Qualifications

• Experience conducting field visits, business verification, or on-site debt recovery activities.
• Prior experience handling corporate debt collections, challenging recovery cases, or high-value customer portfolios is highly preferred.

Quyền lợi được hưởng

Benefits

• Competitive salary package, negotiable based on experience and performance.
• Full salary during probation period.
• Full social insurance contribution based on gross salary.
• Bao Viet premium healthcare insurance for employees and their families.
• 15 days of annual leave.
• Additional 10 days of special leave, including:
  • 4 sick leave days
  • 4 family care leave days
  • 1 birthday leave day
  • 1 parents leave day
• Company-provided working equipment.
• Travel and transportation expenses covered by the company.