Collections Officer

The Collections Officer is responsible for managing delinquent customer accounts and ensuring the timely recovery of outstanding payments while maintaining professional, respectful, and solution-oriented customer relationships. The role involves proactively monitoring overdue accounts, contacting customers through approved communication channels, and negotiating sustainable repayment plans in line with company policies and regulatory requirements. The officer evaluates customers' financial situations, identifies root causes of delinquency, and determines appropriate collection strategies, including restructuring, settlements, or escalation of complex or high-risk cases. The role also includes providing debt counseling to customers experiencing financial difficulties, guiding them on repayment options, increasing awareness of financial obligations, and proposing realistic and sustainable payment plans that balance customer affordability with the organization’s reco...