Cermati.com

Financial product marketplace and application service

Field Collection

Retail & Commercial BankingConfirmed live in the last 24 hours

Full-timeCirebon, Cirebon City, West Java, IndonesiaNo salary listed

About the Job

Requirements

At least 6 months of experience in a bank and/or multifinance company; fintech industry experience is an advantage.
Own a motor vehicle and hold at least a SIM C driving license.
Have at least a high school education or equivalent.
Have communication and negotiation skills.
Have strong competency in field collection for unsecured loans.
Demonstrate persistence and strong orientation toward achieving targets.
Be able to work collaboratively in a team with interpersonal skills.
Be familiar with computer applications and Microsoft Office.
Be domiciled in Cirebon.

Responsibilities

Visit debtors and deliver warning letters (SP) when arrears exceed 20 days to validate circumstances, analyze the case, and collect outstanding debt payments.
Negotiate suitable payment options with customers.
Monitor debtors' payment promises according to their arrears period and follow up to collect as promised.
Analyze case-handling results and take action within the assigned work area and scope, as needed.
Locate customers who cannot be found at home or at their workplace.
Verify customer data, including telephone numbers and addresses.
Report and discuss visit and case-handling outcomes with a supervisor, and record each collection activity in the collection system.
Coordinate with internal collection teams and relevant units regarding debtor case handling.

Desired Qualifications

Fintech industry experience.

Uraian Pekerjaan

Mengunjungi debitur dan melakukan pengiriman Surat Peringatan (SP) dalam masa tunggakan > 20 hari untuk melakukan validasi kondisi, analisa dan penagihan pembayaran kewajiban debitor yang belum diselesaikan.
Menegosiasikan opsi pembayaran yang sesuai kepada nasabah
Memonitor janji bayar debitur sesuai dengan masa tunggakan dan menagih kembali sesuai janji bayar.
Menganalisa hasil penanganan dan melakukan tindakan sesuai dengan ruang lingkup/wilayah kerjanya dan apabila diperlukan.
Mencari keberadaan pelanggan apabila tidak dapat ditemui baik di rumah maupun kantor
Memastikan semua data pelanggan benar termasuk nomor telepon dan alamat
Melaporkan dan mendiskusikan dengan atasan mengenai hasil kunjungan/penanganan. Membuat catatan atas setiap aktivitas penagihan ke dalam collection system.
Melakukan koordinasi dengan pihak internal collection maupun unit terkait sehubungan dengan penanganan debitor

Kualifikasi

Minimal pengalaman 6 bulan di bank dan/atau multifinance (mempunyai pengalaman di industri fintech akan menjadi nilai tambah)
Memiliki kendaraan bermotor dan minimal SIM C
Minimal SMU atau sederajat
Mempunyai kemampuan komunikasi dan negosasi yang baik
Mempunyai kompetensi yang baik terutama di bidang field collection (penagihan lapangan) untuk pinjaman tanpa jaminan
Memiliki persistensi dan orientasi yang kuat terhadap Pencapaian Target
Mampu bekerja sama dalam team dengan interpersonal skill yang baik
Familiar dengan penggunaan Aplikasi Komputer dan Microsoft Office
Berdomisili di Cirebon

Informasi Tambahan

About the Company

Cermati.com

Financial product marketplace and application service

Cermati operates a financial e-commerce platform in Indonesia that lets users research, compare, and apply for financial products such as credit cards, loans, mortgages, auto loans, savings accounts, insurance, and bill payments. It aggregates product information from banks and financial institutions into a standardized format and guides, and sometimes processes, applications on behalf of partners, earning commissions from successful applications. The service differentiates itself by offering free access, a wide product catalog, and handling parts of the application and documentation flow to speed up approvals, turning a simple comparison site into an integrated fintech marketplace. Its goal is to expand financial inclusion in Indonesia by making financial products easier to find, compare, and access for people who are online but historically underserved by formal finance.

Company size: 501-1,000
Company stage: Series A
Total funding: $1.9M
Headquarters: Jakarta, Indonesia
Founded: 2015

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