Field & Collections Officer (Written-Off Leads / 180+ DPD)

First Circle is one of the fastest-growing FinTech companies in the country, providing financial services to under-served SMEs. We've already transformed access to credit for thousands of businesses, and now we're building a full-stack neobank offering innovative new products and services. As part of our ongoing growth, we're strengthening our Collections Team to boost recovery rates and reduce delinquency. We're looking for a hardworking, reliable, and hands-on Field & Collections Officer to join us.

The Field & Collections Officer is responsible for managing accounts with overdue balances through a combination of field activities and desktop investigations. The role involves meeting customers in person, negotiating settlements, locating hard-to-find debtors, serving legal documents (Demand Letter), and conducting outbound calls.

You will handle written-off leads or 180+ DPD accounts that are tagged as uncontactable for a significant period and require deeper probing or skip-tracing efforts.

Responsibilities

• Field Collections Activities: Conduct field visits to customers with overdue or written-off accounts (180+ DPD).
• Customer Location & Investigation: Locate delinquent customers through fieldwork, skip tracing tools, databases, and social media research.
• Negotiation & Payment Arrangements: Negotiate and secure payment commitments both on-site and via phone.
• Legal Support & Documentation: Serve demand letters or legal notices and coordinate with Legal for escalations and case preparation.
• Reporting & Coordination: Accurately document field activities and submit timely reports to the Collections team.

Requirements

• Motorcycle Requirement: Must own and operate a motorcycle with a valid driver’s license and be familiar with routes within Greater Metro Manila (Bulacan, Cavite, etc.).
• Collections Experience: Proven experience in collections or related fieldwork.
• Communication & Negotiation Skills: Strong interpersonal, communication, and negotiation abilities.
• Independent & Target-Driven: Able to work independently and consistently meet performance targets.
• Basic Technical Proficiency: Computer literate, with ability to conduct online research and complete reports.

Benefits

• Perks & benefits: HMO coverage from month one, gasoline allowance, monthly fitness allowance, and more.
• Join a team with a supportive and deeply collaborative culture! Learn more here: https://www.firstcircle.ph/careers