Help Customers Rebuild Financial Confidence While Driving Business Success

Join Canada's largest online short-term lender, trusted by more than 950,000 customers and recognized for delivering fast, transparent, and responsible financial solutions. Since 2016, our client has funded nearly two million loans, earned 55,000+ positive reviews, and continued to set the standard for secure, customer-focused digital lending.

Driven by innovation, financial wellness, and responsible service, the organization offers professionals the opportunity to grow with a proven market leader.

Job Description

As a B2C Collections Officer, you'll work with customers to resolve overdue accounts through empathetic, solutions-focused collections strategies that protect both financial well-being and business performance. Join Emapta to build a long-term global career supporting one of Canada's most established digital financial services providers, where high performers are rewarded with international exposure, performance incentives, and continuous career development.

Job Overview

Employment Type: Full-time

Shift: Night Shift, 9:00 AM-6:00 PM EST (Training), Consecutive Off

Work Setup: Permanent Work From Home

Salary: PHP 45,000 + Up to PHP 20,000 Monthly Incentives

Exciting Perks Await!

Competitive Salary Package
Night differential pay to maximize your earnings
Permanent WFH arrangement
Up to PHP20,000 monthly incentives
HMO coverage with free dependent upon regularization
Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
Unlimited upskilling through Emapta Academy courses (Want to know more Visit: https://emapta.com/training-calendar/)
Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
Unlimited opportunities for employee referral incentives across the organization
Standard government and Emapta benefits
Total of 20 annual leaves to be used on your own discretion
Fun engagement activities for employees
Mentorship and exposure to global leaders and teams
Career growth opportunities
Diverse and supportive work environment

The Qualifications We Seek

Minimum of 3 years of B2C or consumer collections experience within lending, financial services, debt recovery, or related industries, and must currently be in or have most recently held a collections role, with no more than a three-month employment gap
At least one year of remote work experience
Proven experience handling 90+ days delinquent accounts within a BPO environment
Strong negotiation and problem-solving skills
Excellent written and verbal English communication skills
Professional communication skills across phone, email, and chat channels
Background in debt collection, consumer lending, or personal finance
Exposure to underwriting, financial statements, or payroll processes is an advantage
Proficiency in CRM and call center systems with strong attention to detail
Ability to manage multiple priorities in a fast-paced environment
Sound judgment with a customer-focused approach
Reliable internet connection and a laptop for the interview process

Your Daily Tasks

Manage delinquent accounts through strategic outbound and inbound communications
Diagnose the root causes of non-payment and develop viable repayment solutions
Negotiate payment plans or full settlements aligned with business objectives
Maintain accurate and compliant documentation within CRM systems
Educate customers on repayment options and financial implications
Resolve payment-related inquiries independently and efficiently
Prioritize and organize follow-up activities to maximize recovery outcomes
Ensure compliance with regulatory requirements and internal standards
Meet and exceed performance metrics for recovery and service quality
Deliver professional, solutions-driven customer interactions that enhance the customer experience

Join the Top 1% Talent. A better career. A better life.

At Emapta Philippines, careers are built with intention. Work with global clients, gain exposure to world-class standards, and grow in an environment designed for long-term success. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and winner of Inspiring Workplaces Australasia 2026, Emapta stands among the region's most respected employers, committed to empowering talent through stability, opportunity, and continuous development.

Step into a career that moves with you. Apply today!