Collections Officer – Credit Recovery

About the role

The Credit Recovery Officer is responsible for managing overdue accounts, contacting customers to recover outstanding debts, negotiating repayment arrangements and minimizing bad debt exposure while adhering to company policies and client SLA.

Key responsibilities

• Monitor and manage an assigned portfolio of overdue accounts.
• Contact customers via phone, email and written correspondence regarding outstanding payments.
• Negotiate repayment plans and settlement arrangements.
• Maintain accurate records of collection activities and customer communications.
• Follow up on payment commitments and recovery actions.
• Assign uncontactable accounts for further action.
• Ensure compliance with PDPA and company procedures.
• Meet Key Performance Indicators and productivity thresholds.

Required profile

• Minimum GCE ‘N’ Level, ‘O’ Level, Nitec, Higher Nitec or equivalent.
• 1–2 years experience in debt collection, customer service, telemarketing, credit control or related functions.
• Strong self‑motivation, results‑orientation and ability to work under pressure.
• Multi‑lingual ability is an advantage.

Required skills

• Negotiation and persuasion.
• Strong verbal and written communication.
• Conflict resolution and problem‑solving.
• Proficiency in Microsoft Excel and Office applications.
• Time management and organizational skills.
• Ability to work with minimal supervision and as a team player.