B2C Collections Specialist | PHP45K + Up to PHP20K Incentives

Collect Success, One Payment at a Time

Picture yourself negotiating repayment plans, resolving accounts with precision, and shaping stronger financial futures. In this role, you'll build a global career in collections-gaining international exposure, refining your expertise, and leaving a lasting mark in the financial services industry while staying rooted at home.

Job Description:

As a B2C Collections Specialist, you'll connect with customers to resolve overdue accounts, negotiate settlements, and maintain accurate financial records. This role requires strong communication, problem-solving, and negotiation skills to achieve performance goals while delivering excellent customer service.

Job Overview:

Employment type: Full-time

Shift: Night shift, Shifting; Training is 9 AM to 6 PM EST

Work setup: Hybrid, Cebu City

Salary: PHP 45,000

Exciting Perks Await

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Night differential pay to maximize your earnings
• Hybrid work arrangement
• Prime office location in Cebu (Conveniently accessible by PUVs, with nearby restaurants and banks)
• Up to PHP20K Incentives
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit )
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek:

• Must have a minimum of 3-5 years collections experience, with no more than a 3-month gap in recent employment
• Minimum 1 year of remote work experience in previous employment
• Experience managing 90+ days delinquent accounts and must have BPO experience
• Demonstrated strong negotiation and problem-solving skills
• Excellent proficiency in English, both verbal and written
• Strong etiquette with phone calls, chat, email, and interpersonal communication skills
• Experience in debt loan collection, consumer lending, or personal finance
• Familiarity with underwriting loans, financial statements, or payroll processes is a plus
• Proficiency in CRM and call center systems with acute attention to detail
• Ability to multitask and work efficiently in a fast-paced environment
• Solid judgment, excellent problem-solving skills, and a customer-focused approach
• Reliable internet connection and laptop required for the interview; attendance must be confirmed in advance to avoid disqualification

Your Daily Tasks:

• Contact customers via phone or email to resolve past-due accounts and secure payments
• Determine reasons for delinquency and negotiate payment plans or full settlements
• Update customer accounts accurately using CRM tools
• Follow established guidelines to recommend appropriate collection remedies
• Explain delinquency consequences and develop repayment schedules
• Handle customer payment inquiries and resolve issues independently
• Organize workflow and schedule follow-ups effectively
• Maintain accurate account records for resolution tracking
• Achieve key performance metrics while complying with policies
• Perform customer service tasks when assigned by the manager

About the Client

Redefining Trust in Financial Services

iCASH is a leading Canadian fintech company that has transformed short-term lending with transparency, innovation, and customer-first service. By providing responsible, fast, and fully digital loan solutions, they've built a strong reputation for empowering customers with financial flexibility. Joining their team means being part of a trusted brand that values professionalism, global reach, and the future of financial services.

Welcome to Emapta Philippines

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta stands proudly alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a work culture focused on collaboration and innovation. Work with global clients across industries, supported by a stable foundation and like-minded professionals passionate about making an impact. We empower your success with opportunities for personal and professional development in an inclusive environment. Apply now and be part of the #EmaptaEra