B2C Collections Specialist | 45K-52K + up to 20K Incentives

Restoring Balance and Building Trust in the Digital Lending World

Revolutionizing how people access financial freedom, our client stands as a fintech success story built on trust, transparency, and technology. As Canada's leading online lender, they've processed millions of instant loans and earned thousands of glowing reviews for their fair and responsible practices. Their fast, secure, and human-centered approach to digital lending empowers individuals while redefining what ethical finance looks like. Joining their team means shaping smarter, faster, and more compassionate financial solutions worldwide.

Job Description

Be part of our client's team as a B2C Collections Specialist, connecting with customers to resolve past-due accounts and negotiate repayment plans. You'll maintain accurate records, ensure compliance with policies, and deliver exceptional service-achieving performance goals while promoting fairness, professionalism, and positive financial outcomes in every customer interaction.

Job Overview

Employment type: Full-time

Shift: Night Shift, Consecutive Off

Salary: PHP 45,000.00 to PHP 52, PHP20,000 incentives

Work setup: Permanent Work From Home

Exciting Perks Await

• Competitive Salary Package with performance based incentives
• Permanent WFH arrangement
• HMO coverage with free dependent upon regularization
• Fully customized Emapta laptop with peripherals
• 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

• Minimum of 3-5 years of Business to Consumer (B2C) collections experience, with no more than a 3-month gap in recent employment
• At least 1 year of remote work experience in previous employment
• Experience managing 90+ days delinquent accounts in a BPO environment
• Strong negotiation, communication, and problem-solving skills
• Excellent proficiency in English, both verbal and written
• Professional etiquette in phone, chat, email, and interpersonal communication
• Background in debt loan collection, consumer lending, or personal finance
• Familiarity with underwriting loans, financial statements, or payroll processes (an advantage)
• Proficiency in CRM and call center systems with keen attention to detail
• Ability to multitask and work efficiently in a fast-paced environment
• Sound judgment 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

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