Collections Representative

At Smartsourcing, collections isn't just chasing payments; it's about smarter processes, sharper skills, and career momentum.

Hi We're Smartsourcing, and we're on the lookout for a
Collections Officer
who's equal parts assertive and empathetic, detail-obsessed, and results-driven. If you love data, communication, and seeing payment plans through from start to finish—this one's for you.

Where You'll Be

JEG Tower, Archbishop Reyes, Corner Acacia St., Barangay Kamputhaw, Cebu City, 6000 Cebu
Your

Role as Collections Officer

As a
Collections Officer
, you'll own the collections process from outreach to resolution, initiating client contact, validating payments, updating systems, and resolving billing disputes with professionalism. You'll work with large volumes of accounts, bring structure to financial workflows, and help clients stay on top of their commitments.

What You'll Be Doing:

Admin & Data Management

• Initiate contact with customers via phone, email, or mail to collect payments and negotiate
• Perform skip tracing to locate customers using databases, public records, and online tools
• Proficient in reviewing invoices, statements of account (SOAs), financial documents, and contracts
• Monitor and maintain assigned customer accounts to ensure timely payments
• Create cases and enrich debtor data profiles
• Conduct CDD (Customer Due Diligence) checks
• Split and categorize documents for streamlined processing
• Record detailed call notes and transaction logs
• Enter payment plans and register disputes accurately in system
• Send copies of invoices and validate receipt
• Verify information such as Proof of Payment & Client Confirmation

Communication & Resolution

• Make outbound calls to debtors regarding payment status and arrangements
• Negotiate payment plans and payoff deadlines
• Resolve billing disputes and discrepancies
• Manage inbound calls from clients, addressing queries and providing solutions
• Verify debtor details and initiate confirmation processes
• Communicate effectively across channels to resolve outstanding issues and escalate as needed

Coordination & Compliance

• Work within finance workflow using system tags like:
• INFO, DEAL, DISP, GOODS, PARPT, PAYPL, PMTCL, PRPAY
• Collaborate with internal stakeholders to ensure accuracy in reports and debtor profiles
• Ensure compliance with financial and data privacy regulations

Requirements

What You Need to Succeed

Must-Haves:

• 1–2+ years of experience in collections, AR, or customer service
• Experience using financial or CRM platforms (e.g., SAP, Oracle, Salesforce)
• Excellent English communication—written and verbal
• Strong attention to detail and process discipline
• Proven ability to negotiate and resolve payment issues professionally
• Proficient in MS Excel, Word, and Outlook
• Understanding of compliance practices including CDD

You'll Thrive If You're:

• Assertive yet empathetic when speaking with debtors
• Organized and proactive in handling daily tasks
• A fast learner who can work independently
• Comfortable navigating databases and financial workflows
• A team player with high integrity and accountability

Benefits

Step Into the Smartsourcing Experience

Smartsourcing was created with one mission: to change lives. We're here to ensure that businesses flourish and, just as importantly, that every member of the crew is inspired, supported, and set up to thrive. For the fourth year running, we've been recognized as one of HR Asia's Best Companies to Work For. This award isn't just a title—it's a testament to our commitment to making Smartsourcing an incredible place to build a career.

Why You'll Love Working Here

At Smartsourcing, we believe the best work comes from people who feel seen, heard, and valued. That's why we're all about fostering an environment where you can be your true self. We take pride in being certified as a Great Place to Work, because we know that when you love where you work, extraordinary things happen. Here's just a glimpse of what we offer:

• Weekends are yours (we respect your time off)
• 5-day Christmas Leave (unwrap real time off)
• Healthcare from Day 1 for you and your family (because healthcare matters)
• Free lunch and barista-crafted coffee daily (we take our caffeine seriously)
• Night shift differential for evening schedules
• Subsidized gym membership and sports wellness clubs (including hiking and free-diving)
• Smartsourcing Exclusives (deals made just for you)
• Themed BFFs, monthly knockoffs, and summer parties
• Community give-back programs and personal development workshops

We're not just another outsourcing company. We're building something that actually matters here – a place where good work meets good culture.

Ready to collect more than just payments? Apply now and be part of a team that's building smarter financial solutions