Collection Analyst (Low Recovery) - with Field Work

About First Circle

First Circle is an SME-focused, credit-centric, and multi-product NeoBank in SE Asia which is fast-growing (>100%), profitable, and internationalising soon.

We started life as an SME lender in the Philippines in 2016 to solve the SME credit gap by using technology to systemise underwriting, deliver exceptional UX, and automate away delivery costs. We’ve delivered our clients the fastest, cheapest, most flexible credit line available to businesses anywhere in Southeast Asia. We’ve been rewarded with both fast growth and exceptional unit economics, a rare combination in our space.

Over the past two years we’ve expanded our product range to include business bank accounts & payments, e-Invoices, corporate credit cards, rooftop solar, and most recently deposits catalysed by securing a full bank charter in the Philippines. In 2027, we’ll expand our geographical coverage to include at least two new markets in APAC.

Our excellent track record results from our people & culture. We combine high standards & intensity with a collegiate environment. Our barometers of success are the rate of personal growth of our people, how long high performers choose to stay, and ensuring we we raise the bar with every hire.

We are seeking a dynamic

Collection Analyst for our FSA and Low Recovery Accounts to join our Product Operations team. This role combines the responsibilities of a collection analyst doing desk collections and field collections. The Collection Analyst will play a critical role in bridging internal teams and external stakeholders, fostering relationships, and driving First Circle’s growth initiatives.

Responsibilities

• Account Management:
• Oversee Low Recovery and FSA accounts to ensure effective handling.
• Collections & Tracing:
• Conduct desk/field collections, customer tracing, and on-site visits.
• Negotiation & Follow-up:
• Secure Promises to Pay (PTPs), negotiate payment terms, and actively follow up.
• Documentation:
• Maintain accurate, up-to-date records of all collection efforts and field visits.
• Target Achievement:
• Consistently meet or exceed performance, recovery, and productivity goals.

Requirements

• Motorcycle Requirement: Should own and drive a motorcycle.
• Field Work & Mobility:
• Willingness to do field work within and outside of Metro Manila.
• Years of Experience:
• 1-5 years of relevant experience as a Field Collector or Collection Analyst.
• Educational Requirement:
• Bachelor's degree in any field.
• Work Ethic & Drive:
• Self-motivated and proactive, insists on excellence and is driven to constantly improve, displays initiative and independence in task execution. Comfortable working with difficult-to-recover accounts.
• Teamwork & Collaboration:
• Collaborative and able to thrive in team-oriented environments.

Skills & Competencies

• Quick learner; able to adapt to and internalize new processes rapidly.
• Demonstrates efficiency and accuracy in resolving challenges.
• Highly organized, detail-oriented, and dependable.
• Strong communication and negotiation skills.
• Persistent and resourceful.

Benefits

Salary:

PHP 25,000-30,000 monthly

• Benefits:
• HMO coverage from week one, gasoline allowance, ownership policy on motorbikes, monthly fitness allowance
• Join a team with a deeply collaborative culture!
• Learn more here:
• https://www.firstcircle.ph/careers