Collection Analyst

Krom (Jakarta, Indonesia)

DKI Jakarta, อินโดนีเซีย

PT Krom Bank Indonesia Tbk, a subsidiary of Kredivo Group, is a licensed Indonesian bank, regulated and supervised by OJK (Indonesian banking regulator). With Krom, we're looking for new ways to make banking easier and more convenient for Indonesian millennials. We're excited to be a part of the digital transformation of the banking industry and we’re motivated by the vision of building Krom into the most preferred digital bank in Indonesia.

เกี่ยวกับตำแหน่งนี้

Collection Analyst is a professional who specializes in analyzing and interpreting data related to the collection of outstanding debts or payments. They work closely with collections teams to identify trends, optimize collection strategies, and provide actionable insights based on data analysis. Their goal is to enhance the efficiency of debt collection processes and improve recovery rates for the organization.

หน้าที่รับผิดชอบ

• Monitor and review overdue loans.
• Track payment statuses, and identify accounts that are at risk of default or have become delinquent.
• Generate reports on outstanding balances and past-due accounts.
• Develop and implement effective collection strategies to recover overdue payments.
• Collaborate with internal teams (such as legal, compliance, and operations) to escalate accounts and to recover overdue payments.
• Coordinate with external collection agencies or legal firms for difficult-to-collect accounts.
• Assess and evaluate the credit risk of delinquent accounts, based on payment history and other relevant factors.
• Provide recommendations for the write-off of bad debts or initiate legal proceedings for recovery.
• Evaluate the impact of delinquent accounts on the bank's overall risk exposure and financial health.
• Analyze collection data and customer behavior patterns to identify trends, issues, or areas for improvement.
• Prepare detailed reports on collections activities, recovery rates, and aged debt to inform management.
• Track key performance indicators (KPIs) related to collections performance, including recovery rates and delinquency ratios.
• Stay up-to-date on changes to industry regulations and ensure that the bank's collection practices align with legal requirements.
• Maintain confidentiality of customer information and adhere to privacy regulations.
• Collaborate with the bank’s loan servicing, credit risk, legal, and finance departments to streamline collection efforts and resolve complex cases.
• Coordinate with underwriting teams to assess new credit applications and identify high-risk applicants.
• Continuously assess and refine the bank's collections processes to enhance efficiency and recovery rates.
• Recommend improvements to policies, procedures, and technologies used in collections to reduce delinquencies.

คุณสมบัติ

• Bachelor's degree in Law, Finance, Business Administration, or related field.
• 2-5 years of experience in collections, credit risk management, or accounts receivable, preferably in a banking or financial services environment.
• Certifications in banking or financial services would be a plus.
• Strong understanding of banking regulations and industry standards.
• Effective communication skills, with the ability to prepare clear and concise reports and interact with multiple stakeholders.
• Familiarity with tools like Power BI, Tableau, or SQL to generate advanced data insights and reports.
• Ability to work with large datasets to identify trends in payment behavior, collections performance, and customer demographics.
• Experience with customer relationship management tools like banking-specific CRM systems.