Collections Officer - Fintech | PHP45K + PHP20K incentives | WFH | Night Shift

Strengthen Financial Recovery Through High-Impact Customer Resolutions

iCash is a leading Canadian fintech lender delivering fast, secure, and fully digital short-term loans to over 950,000 customers nationwide . Since 2016, it has issued nearly 2 million loans, earned 55,000+ positive reviews, and maintained ratings as high as 4.9/5-reflecting strong customer trust and service quality. With a focus on responsible lending, real-time funding, and seamless digital experiences, iCash continues to set the standard for accessible, customer-first financial solutions in Canada.

Snapshot

• Employment Type: Full time
• Shift: Night shift, consecutive off
• Work Setup: Permanent work from home
• Salary: PHP 45,000

Benefits

• PHP20,000 incentives
• Competitive salary package
• Night differential pay to maximize earnings
• Permanent work-from-home arrangement
• HMO coverage with free dependent upon regularization
• Prime office location access (Makati & Ortigas hubs)
• 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

About the Role

This Collections Officer role is designed for professionals who excel in high-stakes financial conversations and portfolio recovery. You will manage complex delinquent accounts, influence repayment outcomes, and directly contribute to financial stability for both customers and the business. This is a performance-driven environment where strategic thinking, negotiation expertise, and customer empathy intersect to deliver measurable impact.

Qualifications

• Minimum of 3-5 years of collections experience with no more than a 3-month employment gap
• At least 1 year of remote work experience
• Proven experience handling 90+ days delinquent accounts within a BPO setting
• Strong negotiation and problem-solving capabilities
• Excellent English communication skills, both written and verbal
• Professional communication across phone, email, and chat channels
• Background in debt collection, consumer lending, or personal finance
• Exposure to underwriting, financial statements, or payroll processes is an advantage
• Proficiency in CRM and call center systems with high attention to detail
• Ability to manage multiple priorities in a fast-paced environment
• Strong judgment with a customer-focused approach
• Reliable internet connection and laptop for interview process

Responsibilities

• Manage delinquent accounts through strategic outbound and inbound communications
• Diagnose root causes of non-payment and structure viable repayment solutions
• Negotiate payment plans or full settlements aligned with business objectives
• Maintain accurate and compliant documentation within CRM systems
• Educate customers on repayment options and financial implications
• Resolve payment-related inquiries independently and efficiently
• Prioritize and organize follow-ups to maximize recovery outcomes
• Ensure adherence to regulatory and internal compliance standards
• Meet and exceed performance metrics tied to recovery and service quality
• Contribute to customer experience through professional and solutions-driven interactions

Join the Top 1% Talent. A better career. A better life.

Welcome to Emapta Philippines, where high-performing professionals build long-term global careers with leading international companies. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and a finalist in the 2026 Inspiring Workplaces Awards Asia, Emapta delivers a workplace defined by stability, growth, and purpose. Here, your career moves forward with meaningful opportunities, world-class support, and a culture built for excellence.

Apply now and be part of the #EmaptaEra.