Field & Collections Officer (Written-Off Leads / 180+ DPD)

First Circle is one of the fastest-growing FinTech companies in the country, providing financial services to under-served SMEs. We've already transformed access to credit for thousands of businesses, and now we're building a full-stack neobank offering innovative new products and services. As part of our ongoing growth, we're strengthening our Collections Team to boost recovery rates and reduce delinquency. We're looking for a hardworking, reliable, and hands-on Field & Collections Officer to join us.

The Field & Collections Officer is responsible for managing accounts with overdue balances through a combination of field activities and desktop investigations. The role involves meeting customers in person, negotiating settlements, locating hard-to-find debtors, serving legal documents (Demand Letter), and conducting outbound calls. You will handle written-off leads or 180+ DPD accounts that are tagged as uncontactable for a significant period and require deeper probing or skip-tracing efforts.

Responsibilities

• Conduct field visits to meet customers with overdue written-off accounts (180+ DPD).
• Locate delinquent customers through fieldwork, information gathering, and use of skip tracing tools, databases, and social media.
• Negotiate and secure payment plans on-site or over the phone.
• Serve demand letters and other legal notices as needed.
• Document field activities and submit reports promptly to the Collections team.
• Coordinate with Legal for escalations and case preparation when necessary.

• Must own and operate a motorcycle with a valid driver's license.
• Proven collections experience.
• Strong communication, negotiation, and interpersonal skills.
• Ability to work independently and meet performance targets.
• Familiarity with local geography and routes within Greater Metro Manila.
• Basic computer literacy for online research and reporting.

• Perks & benefits including HMO coverage from month one, gasoline allowance, monthly fitness allowance, and more.
• Join a team with a supportive and deeply collaborative culture! Learn more here: https://www.firstcircle.ph/careers