b2c Collections specialist | 100% remote | php45k + up to php20k monthly incentivesEmapta Versatile Services Inc

Make Every Conversation Count in a Market-Leading Canadian Financial Services Company
 
Our client is Canada's largest online short-term lender, empowering more than 950,000 customers with fast, transparent, and responsible financial solutions. Since 2016, they have funded 1.96 million loans, helped customers save over $178 million, and rewarded borrowers with more than $8.6 million in cashback. Backed by 55,500+ positive reviews, 700,000 app downloads, and industry-leading digital lending technology, they continue to set the benchmark for secure, convenient, and customer-focused financial services across Canada while maintaining a strong commitment to fair lending and financial wellness.
 
Job Description
 
As a B2C Collections Officer - Fintech, you will help customers regain financial control while driving recovery performance for one of Canada's leading digital lenders. Your work plays a vital role in protecting business sustainability, delivering positive customer experiences, and ensuring responsible collections practices in a highly regulated financial environment. Build a long-term global career with Emapta while working alongside international teams that value performance, integrity, and customer success.
 
Job Overview
Employment Type: Full-time
Shift: Night Shift
Work Setup: Permanent Work From Home
Salary: PHP 45,000 + Up to PHP 20,000 Monthly Incentives
Exciting Perks Await!
Competitive Salary Package
Night differential pay to maximize your earnings
Permanent WFH arrangement
Up to PHP20,000 monthly incentives
HMO coverage with free dependent upon regularization
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: Emapta Academy Training Calendar)
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
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 collections experience with no more than a three-month employment gap
At least one year of remote work experience
Proven experience handling 90+ days delinquent accounts within a BPO environment
Strong negotiation and problem-solving skills
Excellent written and verbal English communication skills
Professional communication skills 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 strong attention to detail
Ability to manage multiple priorities in a fast-paced environment
Sound judgment with a customer-focused approach
Reliable internet connection and a laptop for the interview process
Your Daily Tasks
Manage delinquent accounts through strategic outbound and inbound communications
Diagnose the root causes of non-payment and develop 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-up activities to maximize recovery outcomes
Ensure compliance with regulatory requirements and internal standards
Meet and exceed performance metrics for recovery and service quality
Deliver professional, solutions-driven customer interactions that enhance the customer experience
Join the Top 1% Talent. A better career. A better life.
Welcome to Emapta Philippines: home to professionals who choose growth, balance, and impact. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and winner of Inspiring Workplaces Australasia 2026, Emapta offers more than opportunities -- it provides a career environment where people thrive. Collaborate with global teams, build meaningful expertise, and grow in a culture that prioritizes both performance and well-being.
Apply now and experience the difference!