Collection Officer (T2-T6, Full BHXH)

Key Responsibilities
The Collection Specialist will be responsible for managing overdue accounts and executing collection and recovery strategies. The primary objective is to maximize recovery rates, minimize credit risk, and support customers in finding suitable repayment solutions.
Collections & Recovery
Monitor and assess customer accounts to identify early signs of payment delays and potential default risks.
Proactively engage customers through phone calls, emails, messaging platforms, and other communication channels to facilitate collections.
Negotiate repayment arrangements, debt restructuring plans, settlements, and other appropriate recovery solutions.
Follow up on payment commitments and ensure agreed repayment schedules are fulfilled.
Site Visits & Business Verification
Conduct field visits and site inspections when necessary to verify business operations, assess repayment capacity, and support collection efforts.
Prepare site visit reports and document findings accurately.
Collaborate with internal stakeholders to develop recovery strategies for higher-risk accounts.
Portfolio Management
Maintain accurate and up-to-date records of customer interactions, collection activities, agreements, and supporting documentation.
Ensure all collection activities comply with internal policies and applicable regulations.
Closely monitor assigned portfolios and promptly escalate emerging risks.
Process Improvement
Recommend initiatives to improve collection effectiveness and operational efficiency.
Contribute to collection and risk management strategies aimed at reducing delinquency and charge-off rates.