Debt Collection Officer

We are looking for a results-driven and experienced Debt Collection Officer to join our Debt Collection team.

The ideal candidate will have strong experience in managing overdue accounts, negotiating payment solutions, and consistently achieving collection targets while maintaining professional and respectful relationships with clients and debtors.

Key Responsibilitie

Manage and follow up on an assigned portfolio of overdue accounts

Achieve monthly and individual collection targets

Review account history and determine appropriate collection strategies

Contact debtors through phone, email, and other approved communication channels

Negotiate payment plans, settlements, and repayment arrangements within company guidelines

Follow up on promises to pay and ensure timely payment

Handle inquiries, disputes, and complaints professionally

Investigate payment discrepancies and coordinate with relevant internal teams

Maintain accurate and up-to-date collection records in the ERP/database

Escalate high-risk, disputed, or non-responsive accounts when required

Identify accounts requiring legal escalation and ensure proper documentation

Ensure all collection activities comply with applicable regulations and company policies

Provide regular updates on collection performance and challenging accounts.

Work closely with the Collection Manager and internal teams to maximize recovery.

Bachelor's degree in Business Administration, Finance, Accounting, Law, or a related field.

Minimum 3 years of relevant experience in debt collection, credit control, accounts receivable, or a similar role.

Proven track record of achieving collection targets.

Strong negotiation, communication, and persuasion skills.

Good understanding of debt collection practices and relevant regulations.

Proficiency in Microsoft Office and ERP/database systems.

Strong follow-up, problem-solving, and account-management skills.

Ability to handle challenging conversations with confidence, professionalism, and empathy.

Highly organized, resilient, self-motivated, and results-oriented.

Strong integrity, accountability, and attention to detail.