Collections Officer

Official Job Title: Remedial Officer

JOB SUMMARY

The Remedial Officer is responsible for managing past-due and delinquent accounts across the company's rental, Chauffeur-Driven (CD), and Long-Term (LT) leasing portfolios. This includes recovering overdue payments, coordinating vehicle recovery and repossession activities, and safeguarding fleet assets and receivables. The role works closely with Fleet, Operations, Sales & Commercial, and external legal or collection partners to minimize bad debt exposure while ensuring all remedial actions are conducted professionally, ethically, and in compliance with applicable regulations.

KEY RESPONSIBILITIES

• Monitor accounts receivable aging across rental, Chauffeur-Driven (CD), and Long-Term (LT) leasing portfolios to identify past-due and delinquent accounts.

• Conduct proactive collection calls, issue demand letters, and perform field visits and skip tracing to recover overdue payments and locate delinquent clients or unreturned vehicles.

• Coordinate and execute vehicle recovery and repossession activities in partnership with the Fleet and Operations teams, and with external recovery agencies or law enforcement when required.

• Negotiate payment restructuring, settlement terms, or write-off recommendations within approved authority limits, escalating high-risk or high-value accounts to the Finance Manager and General Manager.

• Prepare and maintain complete case documentation, including demand letters, notices of default, and files for referral to legal counsel or third-party collection agencies.

• Liaise with legal counsel and collection agencies on accounts requiring litigation, small claims filing, or external recovery support.

• Ensure all remedial and collection activities comply with the Data Privacy Act, fair collection practice standards, and company policy.

• Prepare regular reports on collection performance, recovery rates, aging trends, and bad debt exposure for Finance and management review.

• Coordinate with Sales & Commercial and Operations to flag at-risk accounts early and provide recovery insights that support the credit approval process.

QUALIFICATIONS

• Bachelor's degree in Finance, Accounting, Business Administration, Legal Management, or a related field.

• At least 2-3 years of experience in collections, credit and risk management, remedial account handling, or repossession, preferably in automotive, leasing, or financial services industries.

• Working knowledge of Philippine collection practices, repossession procedures, and consumer protection/data privacy regulations.

• Strong negotiation, interpersonal, and documentation skills, with the ability to manage difficult conversations professionally.

• Willingness and ability to conduct field visits and coordinate recovery operations, including travel across Metro Manila and Cebu as needed.

• Proficient in MS Office applications and rental/fleet management systems.

• Valid Philippine driver's license preferred.