Role Overview

• We are looking for a results-driven Junior Collections Officer to join our Collections team. This role focuses on handling high-risk accounts, ensuring timely debt recovery, and maximizing collections efficiency. You will play a critical role in protecting Carbon’s portfolio quality while delivering excellent customer experience in challenging recovery situations.

Key Responsibilities

• Manage interactions with high-risk and difficult customers, ensuring professional and effective resolution.
• Ensure prompt debiting of delinquent accounts to facilitate timely recovery.
• Provide coaching, support, and direction to junior collectors to strengthen the overall collection effort.
• Make outbound calls to delinquent customers to negotiate and facilitate repayment.
• Analyze collection trends and propose strategies to improve the recovery rate.
• Monitor daily collections activities, identify areas for improvement, and implement solutions.
• Collaborate with other departments to resolve disputes or operational issues affecting collections.

Requirements

• Experience in collections, preferably in fintech, banking, or other financial services sectors.
• Proven track record in managing high-risk accounts and achieving recovery targets.
• Strong negotiation and conflict resolution skills.
• Excellent communication skills (verbal and written).
• Analytical mindset with the ability to interpret data and spot trends.
• Strong organizational skills with attention to detail.
• Bachelor’s degree in Business, Finance, or related field preferred.