Role Profile:
A Field Collections Officer is a crucial member of the Financial Services Department at Kyosk, responsible for ensuring timely and effective debt recovery from customers and clients. This role primarily involves physically visiting debtors at their residences or businesses to negotiate and collect outstanding payments or settle overdue accounts. Field Collections Officers play a vital role in maintaining the financial health of Kyosk by reducing bad debts and improving cash flow.
Responsibilities:
Debt Recovery: As part of Kyosk’s Financial Services Department, Field Collections Officers visit customers who have fallen behind on their payments. They utilize effective negotiation skills to communicate the importance of settling outstanding debts promptly.
Demand Letters: Field Collections Officers are responsible for serving demand letters to debtors. These letters outline the overdue amount, consequences of non-payment, and a clear deadline for debt resolution.
Account Management: Within the Financial Services Department, they meticulously manage customer accounts, maintaining accurate records of interactions, payment arrangements, and progress made toward debt recovery. This data is vital for tracking collections performance.
Customer Communication: Field Collections Officers at Kyosk interact with debtors with tact and empathy. They understand the challenges customers may face and work towards finding feasible solutions for debt repayment.
Skiptracing: In cases where debtors are challenging to locate, Field Collections Officers employ skip tracing techniques. This involves using various investigative methods to track down individuals and facilitate debt recovery efforts.
Repossessions: In instances where debt remains unpaid despite all efforts, Field Collections Officers may initiate repossession processes in compliance with applicable laws and regulations.
Field Visits: As representatives of Kyosk’s Financial Services Department, they conduct regular field visits to debtors’ homes or businesses to assess their financial situations and discuss possible payment arrangements or settlements.
Documentation: Accurate and timely documentation is paramount in the Financial Services Department. Field Collections Officers record all field visits, payment commitments, and debtor responses to ensure compliance with legal and company policies.
Compliance: Operating within the Financial Services Department, Field Collections Officers are well-versed in relevant debt collection laws and regulations. They adhere to ethical practices during all debt recovery activities.
Minimum Requirements:
Education: A high school diploma or equivalent qualification is typically the minimum requirement for a Field Collections Officer in Kyosk’s Financial Services Department. Additional education, such as an associate’s degree or relevant certifications, may be preferred.
Experience: While prior experience in collections or debt recovery is beneficial, Kyosk may offer entry-level positions within the Financial Services Department for candidates with no previous experience.
Communication Skills: Effective communication is essential for Field Collections Officers representing Kyosk’s Financial Services Department, enabling them to handle challenging conversations with debtors professionally.
Negotiation Skills: Strong negotiation skills are critical to secure mutually agreeable payment arrangements and settlements on behalf of Kyosk.
Organizational Skills: Field Collections Officers need to be highly organized, managing schedules and documentation efficiently within the Financial Services Department.
Physical Stamina: Due to the nature of their role, Field Collections Officers should possess physical stamina to handle field visits effectively in Kyosk’s Financial Services Department.
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