Debt Recovery & Investigation officer

Are you resourceful, street-smart and not afraid of a challenge? Platinum Credit Pte Ltd is looking for a young, driven and highly resourceful individual to join our team as a Debt Recovery & Investigation Officer . This is not a desk-bound administrative job . You will be dealing with real situations that require investigation, negotiation, persistence, communication skills and commercial judgement . Some borrowers may be difficult to contact, may change their contact details or may become unresponsive. Your job is to understand the situation, locate the borrower through lawful means, communicate effectively and work towards recovering outstanding payments. Think of it as a combination of finance + investigation + negotiation + fieldwork . YOUR ROLE You will be responsible for: • Following up on overdue accounts and outstanding repayments. • Communicating with borrowers to understand the reasons for non-payment and negotiate appropriate repayment arrangements. • Investigating and locating borrowers who have become difficult to contact, using lawful and professional methods. • Conducting field visits to borrowers' residences or workplaces when appropriate. • Gathering and verifying information relevant to debt recovery. • Developing practical strategies to resolve difficult recovery cases. • Maintaining accurate records of all recovery activities and follow-ups. • Working closely with management to determine the appropriate recovery approach for different cases. • Following up persistently until cases are resolved. • Occasionally working outside normal office hours when circumstances require it. WE ARE LOOKING FOR SOMEONE WHO IS: Resourceful. When one approach does not work, you think of another. Persistent. You don't give up simply because someone doesn't answer your first call. A good negotiator. You know how to be firm while remaining professional and respectful. Observant and investigative. You enjoy putting pieces of information together and figuring out how to locate someone who has become difficult to contact. Confident. You are comfortable speaking to different types of people, including difficult or demanding individuals. Commercially minded. You understand that the objective is not simply to make calls. It is to achieve a practical recovery outcome. Street-smart and adaptable. Every case can be different. You need the ability to think on your feet. THIS JOB MAY SUIT YOU IF... • You enjoy sales, negotiation and closing deals . • You have worked in finance, banking, credit, insurance, property or sales . • You are competitive and motivated by measurable results. • You enjoy solving problems rather than following the same routine every day. • You are comfortable with both office work and fieldwork . • You want a career where your personal ability and results can make a visible difference. • You are young, hungry and willing to work hard to build your career. Fresh graduates with the right attitude are welcome to apply. Relevant experience in credit control, collections, sales, banking, finance, insurance, property or customer negotiation will be an advantage. WHAT WE OFFER • Competitive basic salary + performance incentives • Clear performance-based career progression • Training in credit recovery, negotiation and investigation • Opportunity to develop strong skills in finance, credit and negotiation • A dynamic working environment where initiative is valued • Exposure to real-world financial and credit situations • Opportunity to take on greater responsibility as your experience grows THE REALITY OF THIS JOB This is a demanding role . There will be difficult conversations. There will be borrowers who avoid calls. Some cases will require persistence, investigation and field visits. From time to time, work outside normal office hours may be necessary. If you are looking for a comfortable 9-to-5 desk job where every day is predictable, this probably isn't the job for you. But if you enjoy challenges, negotiation, investigation and achieving results , this can be a highly rewarding role. We are looking for people who don't simply say: "I can't find him." We are looking for people who ask: "What else can I find out, and what can I do next?" JOIN PLATINUM CREDIT PTE LTD Build your career in credit, finance and recovery with a role where your initiative, persistence and results genuinely matter.