Compensation for this position includes a competitive salary commensurate with experience and qualifications.
A fixed monthly base salary of ₱80,000 is offered for this position.
Achieve a monthly Key Performance Indicator (KPI) bonus exceeding $20,000 by meeting or surpassing predetermined performance targets.
Job Summary
Flex is in search of a proactive, results-oriented, and customer-centric Collections Officer to oversee delinquent Buy Now Pay Later (BNPL) accounts and facilitate repayment recovery initiatives. The successful applicant will be tasked with initiating professional customer engagements, structuring repayment arrangements, minimizing delinquency rates, and securing timely repayments of outstanding loans—all while fostering a positive customer experience.
The Collections Officer will be instrumental in reducing financial exposure, enhancing portfolio efficiency, and contributing to the strategic expansion of the Buy Now, Pay Later enterprise.
Oversee and execute core duties encompassing strategic planning, operational management, and team leadership to drive organizational objectives forward. Develop and implement policies, procedures, and best practices to enhance efficiency, productivity, and compliance across departments. Collaborate with cross-functional teams to identify opportunities for innovation, process improvements, and cost optimization. Monitor performance metrics, analyze data trends, and report findings to senior leadership to inform decision-making. Ensure adherence to industry regulations, legal requirements, and ethical standards while fostering a culture of accountability and continuous improvement.
Reach out to customers with delinquent Buy Now, Pay Later (BNPL) repayments through phone calls, text messages, WhatsApp, and email communications to facilitate resolution.
Consistently monitor delinquent accounts to guarantee prompt repayments and maintain financial stability.
Forging mutually beneficial repayment arrangements with customers, tailored to their individual financial circumstances, constitutes a key responsibility of this role.
Deliver consistent performance against established recovery and collection objectives.
Consistently uphold a professional demeanor and demonstrate empathy in all customer engagements.
You will provide customers with detailed information regarding their repayment obligations, as well as the potential consequences of failing to meet these obligations.
Resolve repayment-related concerns, and when appropriate, escalate intricate cases for further review.
Devise strategies to track repayment schedules and promptly assess accounts that pose elevated risk to mitigate potential defaults.
Ensure meticulous documentation of all customer interactions and agreed-upon payment arrangements.
Compile daily and weekly reports summarizing collection activities.
Ensure that all collection activities are conducted in strict adherence to established company policies and applicable regulatory guidelines.
Ensure the secure and ethical management of customer data, upholding the highest standards of confidentiality and professionalism at all times.
Execute established escalation and recovery protocols as outlined in approved guidelines.
Collaborate effectively with the Credit Risk, Customer Service, and Operations teams to ensure seamless integration and alignment of efforts.
Analyze customer behavior trends and identify repayment challenges to provide actionable feedback.
Key achievements will be measured against specific targets to evaluate performance effectiveness, ensuring alignment with organizational goals. Regular assessments will track progress toward these indicators, enabling data-driven insights to support continuous improvement. Metrics will be reviewed periodically to assess efficiency, productivity, and overall contribution to team and company success.
To attain the targeted recovery rate, the successful candidate will be required to meet or exceed established benchmarks through strategic planning and execution. This role involves monitoring performance metrics, identifying areas for improvement, and implementing corrective actions to enhance recovery outcomes. Proficiency in data analysis, attention to detail, and a results-driven mindset are essential for driving continuous progress toward recovery objectives. Strong communication skills will be utilized to collaborate with cross-functional teams, ensuring alignment and accountability in achieving recovery targets.
Professional rewriting:
The position is responsible for implementing strategies to decrease the number of overdue accounts, ensuring timely payments and improving overall cash flow efficiency.
We seek to enhance the efficiency of converting payment promises into actual collections. Your responsibilities will include implementing strategies to improve the success rate of these conversions. Key qualifications include a proven track record in collections, strong analytical skills, and the ability to work effectively under pressure. Familiarity with payment processing systems and excellent communication skills are also essential.
Your role requires consistently achieving daily call and follow-up targets to ensure optimal productivity and engagement. This position emphasizes the importance of meeting or exceeding established metrics while maintaining a proactive approach to outreach and relationship-building. Daily accountability for these targets is essential to drive results and support broader business objectives.
We are seeking a skilled professional to enhance our customer engagement initiatives, ensuring interactions are meaningful, efficient, and aligned with our brand values. The ideal candidate will possess a proven track record in customer service or relationship management, with a strong ability to communicate clearly and empathetically. Responsibilities include responding to inquiries promptly, resolving issues with creativity and decisiveness, and fostering long-term customer loyalty through personalized solutions. Proficiency in CRM systems and data analysis tools is required, along with exceptional problem-solving skills and a customer-centric mindset. The role demands adaptability in fast-paced environments and a commitment to continuous improvement in engagement strategies.
Ensuring strict adherence to regulatory requirements and internal policies is essential, requiring meticulous attention to detail and a comprehensive understanding of compliance frameworks. This role demands the ability to interpret complex guidelines, implement effective controls, and conduct thorough assessments to mitigate risks and maintain organizational integrity. Strong analytical skills, proficiency in compliance tools, and a proactive approach to identifying potential gaps are critical for success. Additionally, effective communication and collaboration with stakeholders are necessary to foster a culture of compliance across all levels of the organization.
We seek candidates with a Bachelor’s degree in a relevant field and a minimum of three years of professional experience in the industry. Proficiency in essential software and tools is mandatory, along with strong analytical, problem-solving, and communication skills. Additionally, familiarity with industry standards and compliance regulations is required.
Bachelor’s degree in relevant field required; advanced degree preferred for leadership roles. Experience in educational administration, curriculum development, or related field is highly desirable.
A minimum qualification of an Ordinary National Diploma (OND), Higher National Diploma (HND), or Bachelor’s Degree in any academic field is required.
Experience
1–2 years of hands-on experience in collections, customer service, telesales, or loan recovery is highly beneficial.
Candidates with a background in fintech, lending, or buy now, pay later (BNPL) operations will be given preference.
Proficient in technical expertise, analytical problem-solving, and effective communication, the ideal candidate will demonstrate a strong ability to adapt to evolving challenges. Required qualifications include a minimum of three years of relevant experience in the field, along with proficiency in industry-standard software and tools. The role demands meticulous attention to detail, the capacity to work collaboratively within cross-functional teams, and a commitment to delivering high-quality results under tight deadlines. Additionally, familiarity with regulatory standards and best practices is essential to ensure compliance and operational excellence.
Exceptional proficiency in both verbal and written communication, along with the ability to negotiate effectively in diverse professional scenarios, is essential.
Demonstrates strong interpersonal skills, with a proven ability to influence and persuade others effectively. Exhibits adeptness in resolving conflicts constructively and fostering collaborative solutions.
Must demonstrate resilience and the capacity to thrive in high-pressure environments while consistently achieving established targets.
Proficiency in Microsoft Excel and reporting tools is required.
Maintains the highest standards of ethical conduct and professional behavior at all times.
Demonstrates exceptional professionalism in telephone communication and adeptness in managing customer interactions.
We are seeking a highly motivated individual with a proven track record of delivering results in a fast-paced environment. The successful candidate will possess strong analytical skills, exceptional problem-solving abilities, and the capacity to work both independently and collaboratively within a team. A minimum of three years of relevant experience is required, along with proficiency in industry-standard software and tools. Responsibilities include analyzing complex data sets, developing strategic solutions, and ensuring seamless project execution from inception to completion. The role demands excellent communication skills, the ability to manage multiple priorities, and a commitment to maintaining high standards of accuracy and efficiency.
The preferred candidate demonstrates confidence, resilience, and a strong focus on objectives while upholding professionalism, even when facing challenging customer interactions. Individuals who are driven by initiative and possess a genuine enthusiasm for financial services and customer relations will excel in this position.
Qualifications
BA/BSc/HND , OND
Experience Required
1 - 2 years
