Cluster Credit

Job Purpose
The Happy Customer Retention is responsible for ensuring quality new recruits and collection of payments from dealer accounts, and negotiation for delinquent accounts, as necessary.

Duties And Responsibilities – Based Branch - Great Life Store

• Performs assessment for new dealers and approves all submitted requirements to ensure

credit worthiness.

• Receives cash/check payments for advance, on-time and overdue.
• Issues Collection Receipts for payments for advance, on-time and overdue
• Checks and monitors maturing and delinquent accounts.
• Attends daily morning calls and reports the current activities, programs, overdue and maturing accounts for the day.
• Conducts cadence meeting with Great Life Executives (GLE) every 1st day of the month and 3rd week of the month.
• Deposits daily to PCDSI bank account the collection from the previous day every morning and afternoon if there are heavy collections.
• Monitors and ensures achievement of the required Collection Efficiency Rate (CER) of Core and Expansion branches and CER for the new recruits within the given grace period and overdue recovery.
• Generates Monthly Total Maturing Report (1 st day of the month covering the succeeding month).
• Performs a daily cash count at the end of the day before endorsement to Happy Customer Supervisor. Registers daily in the logbook the cash collection to be kept in the vault.
• Prepares Daily Collection Daily Analysis (DCDA) report for Happy Customer Supervisor validation.
• Uploads validated deposit slip and DCDA Report for submission to Treasury and Credit and Collection Regional Head.
• Conducts Heart-to-Heart (H2H) calls focusing on overdue (dealers with highest overdue in pesos value) and maturing accounts (call GLE, GLD and GLM).
• Sends SMS to the dealers to collect payments (before and after due date).
• Prepares and serves Statement of Account to the dealers before their due date.
• Prepares and sends reminder/demand letters to dealers with overdue account (61 days overdue).
• Maintains a file of collection-related documents for easy access and timely preparation and submission of required reports.
• Performs field collection as needed.

Duties And Responsibilities – Other Branches - Great Life Store

• Performs online assessment for new dealers and approves all submitted requirements to ensure credit worthiness.
• Checks and monitors maturing and delinquent accounts.
• Sends SMS to the dealers to collect payments (before and after due date).
• Conducts Heart-to-Heart (H2H) calls focusing on overdue (dealers with highest overdue in pesos value) and maturing accounts (call GLE, GLD and GLM).
• Performs branch visit as needed.

Job Specifications
Education:

• Preferably graduate of Accountancy, Business, or related courses

Knowledge and Skills:

• Good oral and written communication skills
• Preferably with one-year experience in Credit and collection
• Strong mathematical and computer skills