5,857 Collections Representative jobs in the Philippines

We're Hiring: US-based Collections Representative – Accounts Receivable

Location: Onsite at Ayala Avenue, Makati

Full-Time | Finance / Accounting

Are you detail-oriented, persuasive, and skilled at navigating complex client communications?
We're looking for a proactive and driven
US-based Collections Representative – Accounts Receivable
to join our team

In this role, you'll take ownership of managing and monitoring client accounts, resolving billing issues, and ensuring timely payments—all while delivering a professional, solutions-focused experience to both internal teams and external clients.

What You'll Do

• Monitor customer accounts for non-payments, delays, and discrepancies
• Generate aging reports and conduct regular AR reviews to ensure client payment compliance
• Investigate and resolve billing errors in collaboration with the billing team and Controller
• Confirm and reconcile client payments with the Accounting team
• Communicate with internal teams about client payments and account issues
• Handle phone calls and emails to delinquent accounts
• Draft clear, concise communications to clients and internal stakeholders
• Collaborate with global teams, including internal billing teams, to ensure accurate and timely invoicing
• Communicate urgency around payments in a firm but professional manner
• Review client contracts to verify payment terms and assist with billing questions
• Provide bi-weekly reporting to the Controller and company leadership

What We're Looking For

• Strong communication and negotiation skills—especially in written form
• Proven ability to manage high-volume AR communications
• Experience working in cross-functional and global teams
• Detail-oriented with excellent organizational and follow-up abilities
• A collaborative and solution-driven mindset

Sound like you?

Apply now or reach out directly—we'd love to connect and tell you more about the opportunity

Responsibilities:

· Responsible for the timely handling of inbound calls and accurately transferring to the appropriate Paychex phone number. Provides quality customer service to internal/external customers by educating clients, branches, product areas on resolution pathways.

· Develops and maintains basic knowledge of Paychex products including, but not limited to, Taxpay, Direct Deposit, Readychex, Garnishments, 401(k), Workers Compensation, Health and Benefits, Time and Attendance and their corresponding systems to accurately make decisions on the resolution pathway.

· Researches and resolves inbound calls from internal partners and clients and routes to the appropriate team.

· Maintains daily call requirements based on key indicator performance expectations.

· Maintains department policies/procedure to ensure daily compliance.

· Evaluates client status, validates contact information, and follows training guidelines to ensure appropriate communications are leveraged to mitigate risk and exposure to Paychex.

· Ensures adherence to the Fair Debt Collections Practices Act, NACHA and other applicable regulatory agencies, and follows internal Compliance/Legal standards.

Qualifications:

· At least 1 year of Financial Services experience, preferably Accounts Receivable.

· Experience in Customer Service in the BPO industry is preferred.

· Experience in Payroll and Accounting is preferred.

At Smartsourcing, collections isn't just chasing payments; it's about smarter processes, sharper skills, and career momentum.

Hi We're Smartsourcing, and we're on the lookout for a
Collections Officer
who's equal parts assertive and empathetic, detail-obsessed, and results-driven. If you love data, communication, and seeing payment plans through from start to finish—this one's for you.

Where You'll Be

JEG Tower, Archbishop Reyes, Corner Acacia St., Barangay Kamputhaw, Cebu City, 6000 Cebu
Your

Role as Collections Officer

As a
Collections Officer
, you'll own the collections process from outreach to resolution, initiating client contact, validating payments, updating systems, and resolving billing disputes with professionalism. You'll work with large volumes of accounts, bring structure to financial workflows, and help clients stay on top of their commitments.

What You'll Be Doing:

Admin & Data Management

• Initiate contact with customers via phone, email, or mail to collect payments and negotiate
• Perform skip tracing to locate customers using databases, public records, and online tools
• Proficient in reviewing invoices, statements of account (SOAs), financial documents, and contracts
• Monitor and maintain assigned customer accounts to ensure timely payments
• Create cases and enrich debtor data profiles
• Conduct CDD (Customer Due Diligence) checks
• Split and categorize documents for streamlined processing
• Record detailed call notes and transaction logs
• Enter payment plans and register disputes accurately in system
• Send copies of invoices and validate receipt
• Verify information such as Proof of Payment & Client Confirmation

Communication & Resolution

• Make outbound calls to debtors regarding payment status and arrangements
• Negotiate payment plans and payoff deadlines
• Resolve billing disputes and discrepancies
• Manage inbound calls from clients, addressing queries and providing solutions
• Verify debtor details and initiate confirmation processes
• Communicate effectively across channels to resolve outstanding issues and escalate as needed

Coordination & Compliance

• Work within finance workflow using system tags like:
• INFO, DEAL, DISP, GOODS, PARPT, PAYPL, PMTCL, PRPAY
• Collaborate with internal stakeholders to ensure accuracy in reports and debtor profiles
• Ensure compliance with financial and data privacy regulations

Requirements

What You Need to Succeed

Must-Haves:

• 1–2+ years of experience in collections, AR, or customer service
• Experience using financial or CRM platforms (e.g., SAP, Oracle, Salesforce)
• Excellent English communication—written and verbal
• Strong attention to detail and process discipline
• Proven ability to negotiate and resolve payment issues professionally
• Proficient in MS Excel, Word, and Outlook
• Understanding of compliance practices including CDD

You'll Thrive If You're:

• Assertive yet empathetic when speaking with debtors
• Organized and proactive in handling daily tasks
• A fast learner who can work independently
• Comfortable navigating databases and financial workflows
• A team player with high integrity and accountability

Benefits

Step Into the Smartsourcing Experience

Smartsourcing was created with one mission: to change lives. We're here to ensure that businesses flourish and, just as importantly, that every member of the crew is inspired, supported, and set up to thrive. For the fourth year running, we've been recognized as one of HR Asia's Best Companies to Work For. This award isn't just a title—it's a testament to our commitment to making Smartsourcing an incredible place to build a career.

Why You'll Love Working Here

At Smartsourcing, we believe the best work comes from people who feel seen, heard, and valued. That's why we're all about fostering an environment where you can be your true self. We take pride in being certified as a Great Place to Work, because we know that when you love where you work, extraordinary things happen. Here's just a glimpse of what we offer:

• Weekends are yours (we respect your time off)
• 5-day Christmas Leave (unwrap real time off)
• Healthcare from Day 1 for you and your family (because healthcare matters)
• Free lunch and barista-crafted coffee daily (we take our caffeine seriously)
• Night shift differential for evening schedules
• Subsidized gym membership and sports wellness clubs (including hiking and free-diving)
• Smartsourcing Exclusives (deals made just for you)
• Themed BFFs, monthly knockoffs, and summer parties
• Community give-back programs and personal development workshops

We're not just another outsourcing company. We're building something that actually matters here – a place where good work meets good culture.

Ready to collect more than just payments? Apply now and be part of a team that's building smarter financial solutions

Collections Representative

Location: Quezon City

Work Arrangement: Onsite | Night Shift

Build Your Career with a Global BPO Leader

Looking for long-term career growth with excellent benefits? Join a world-class BPO company as a Collections Representative. We are seeking driven and flexible professionals who thrive in fast-paced settings and are committed to delivering excellent customer service.

Qualifications:

• At least a high school graduate
• Minimum of 6 months BPO collections experience
• Strong communication, problem-solving, and interpersonal skills
• Resilient, customer-focused, and able to work under pressure

What We Offer:

• Competitive compensation package of up to ₱30,000 (Basic + Non-Taxable Allowance)
• Monthly non-taxable allowance
• 20% Night Differential
• HMO coverage starting Day 1
• Life insurance coverage
• Performance incentives, additional perks, and structured career growth opportunities

Collections Representative

#4th in Great Place to Work's Best Company To Work For 2025

#10th in Fortune Magazine's 2025 World's Most Admired Companies

#1st in the J.D. Power 2024 U.S. Credit Card Satisfaction Study of National Credit Card Issuers

Top GBS Employers for the Philippines by the Everest Group

At American Express, our culture is built on a 175-year history of innovation, shared values and leadership behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

As a brand built on going above and beyond to provide the best customer experience, having the most exceptional colleagues is paramount. As the face of the company, you can create positive interactions with our customers every day–from curating a unique travel or lifestyle experience to helping them with their everyday needs. And, you can grow your skills through industry-leading training and ongoing coaching, all while learning what it means to continually set the standard for world class, customer-first service. Find your place in service on #TeamAmex. How will you make an impact in this role?

Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure.

Minimum Qualifications:

• At least 1 year of Collections experience – financial
• At least Senior High School Graduate (New curriculum)
• Prior Sales/Collections experience is an add-on
• Comfortable working in 24/7 work environment

Preferred Qualifications:

• Put enterprise thinking first, connect the role's agenda to enterprise priorities and balance the needs of customers & shareholders.
• Lead with an external perspective, challenge status quo and bring continuous innovation to our existing processes.
• Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
• Should possess strong analytical and problem-solving skills and a tremendous will to win
• Strong relationship building, management and influencing skills
• Exceptional verbal, written, and interpersonal communication skills

Additional Details:

• Location: BGC Corporate Center 2, 5th Avenue corner 30th Street, Bonifacio Global City, Taguig
• Workplace Flexibility: Full time. Must be amenable to follow a hybrid work arrangement (onsite and work from home)
• Work From Home Requirements:
• Must have at least 25 MBPS internet connection plan / speed
• Must have a private & quiet area to work at home
• American Express offers a fantastic and diverse working environment. High performance is rewarded with target driven incentives

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• Competitive base salaries
• Bonus incentives
• Support for financial-well-being and retirement
• Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• Generous paid parental leave policies (depending on your location)
• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
• Free and confidential counseling support through our Healthy Minds program
• Career development and training opportunities

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

To know more about our recruitment process, you may watch this short video – What to Expect: Recruitment at American Express

Excited to be part of #TeamAMEX? Walk-in applications will be processed on the same day.

If you are interested and your relevant experience is aligned with the requirements of the role, you may visit our Career Center from Mondays to Fridays, 10am to 6pm at BGC Corporate Center 2, 5th Avenue corner 30th Street, Bonifacio Global City, Taguig (entrance is at 30th Street cor. Lane A).

Collections Representative - Future Opportunities
 

#4th in Great Place to Work's Best Company To Work For 2025

#10th in Fortune Magazine's 2025 World's Most Admired Companies

#1st in the J.D. Power 2024 U.S. Credit Card Satisfaction Study of National Credit Card Issuers

Top GBS Employers for the Philippines by the Everest Group

At American Express, our culture is built on a 175-year history of innovation, shared 

values

and leadership behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

As a brand built on going above and beyond to provide the best customer experience, having the most exceptional colleagues is paramount. As the face of the company, you can create positive interactions with our customers every day–from curating a unique travel or lifestyle experience to helping them with their everyday needs. And, you can grow your skills through industry-leading training and ongoing coaching, all while learning what it means to continually set the standard for world class, customer-first service.
Find your place in service on #TeamAmex.

How will you make an impact in this role?

Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure.

Minimum Qualifications:
 

• At least 1 year of Collections experience – financial
• At least Senior High School Graduate (New curriculum)
• Prior Sales/Collections experience is an add-on
• Comfortable working in 24/7 work environment

Preferred Qualifications:
 

• Put enterprise thinking first, connect the role's agenda to enterprise priorities and balance the needs of customers & shareholders.
• Lead with an external perspective, challenge status quo and bring continuous innovation to our existing processes.
• Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
• Should possess strong analytical and problem-solving skills and a tremendous will to win
• Strong relationship building, management and influencing skills
• Exceptional verbal, written, and interpersonal communication skills

Please note that this is a future opportunity in American Express.

Additional Details:
 

• Location: BGC Corporate Center 2, 5th Avenue corner 30th Street, Bonifacio Global City, Taguig
• Workplace Flexibility: Full time. Must be amenable to follow a hybrid work arrangement (onsite and work from home)
• Work From Home Requirements:
• Must have at least 25 MBPS internet connection plan / speed
• Must have a private & quiet area to work at home
• American Express offers a fantastic and diverse working environment. High performance is rewarded with target driven incentives

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• Competitive base salaries
• Bonus incentives
• Support for financial-well-being and retirement
• Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• Generous paid parental leave policies (depending on your location)
• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
• Free and confidential counseling support through our Healthy Minds program
• Career development and training opportunities

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

Who We Are
At InteLogix, we are passionate about empowering individuals and organizations to achieve their full potential. As a trusted leader in our industry, we are committed to providing innovative solutions and exceptional services that make a positive impact. We believe in the power of teamwork, integrity, and commitment to excellence. Join us at InteLogix and be part of a dynamic organization that strives to create a brighter future, one where our collective efforts shape and empower the world around us. Together, we can make a difference.

What's the Role About?
If you like to solve problems and interact with people around the Globe, this is the career for you

In this role, you will be a creative problem solver, results oriented, and empathetic customer partner that connects, navigates, influences, and provides solutions.

• Are you energetic, enthusiastic with an engaging personality?
• Are you driven to deliver effective results while providing excellent customer service?
• Do you have extraordinary communication skills?

What's it in for YOU?

• Paid Training
• HMO and Group Life Insurance
• Paid Time Off
• Referral Program
• Career Advancement

Responsibilities

• Serve as the primary point of contact for customers via phone
• Provide exceptional customer service by addressing inquiries, resolving complaints, and guiding customers through solutions
• Maintain a thorough understanding of products, services, and policies to effectively assist customers
• Accurately document customer interactions and transactions across all tools/platforms
• Collaborate with other departments to resolve customer issues and escalate complex problems as necessary
• Strive to exceed customer satisfaction goals and performance metrics
• Continuously seek opportunities to improve the customer experience and streamline processes
• Stay updated on product knowledge and industry trends to better assist customers
• Ability to work within the defined hours of operation with flexibility needed on weekends and holidays

What We Look For In a Candidate

• High School Diploma or equivalent
• At least 1 year of international call center experience required (voice/phones) – collections experience in a BPO setting
• Good communication skills
• Amenable to work onsite at Estancia, Pasig City
• Possess computer/technology savvy with the ability to smoothly operate multiple windows and tabs, while simultaneously providing Best-In-Class Customer Experience speaking to customers over the phone

What's it in for YOU?

• Paid Training
• HMO and Group Life Insurance
• Paid Time Off
• Referral Program
• Career Advancement

As our Collections Representative, you'll take charge of ensuring our financial processes stay strong by managing overdue accounts and driving debt recovery efforts with professionalism and care. Every conversation you lead and every resolution you reach contributes directly to the stability and growth of our business.

If you're someone who thrives on clear communication, strategic problem-solving, and hitting targets, this role will feel like your perfect fit. You will collaborate with your colleagues to efficiently manage accounts, emphasizing collection and recovery efforts.

Key Responsibilities:

• Connect with international customers and debtors via phone, email, and written correspondence to recover long-outstanding debts.
• Locate and initiate contact with debtors to facilitate payment discussions and resolve overdue balances.
• Negotiate repayment terms and settlements, always aiming for win-win outcomes.
• Keep accurate, detailed records of all communications, agreements, and payments.
• Ensure full compliance with global debt collection laws and regulations in all recovery activities.
• Collaborate with internal teams to resolve disputes and gather relevant account information.
• Deliver professional and empathetic customer service while navigating sensitive conversations.
• Monitor agreed payment plans and follow up as needed to ensure timely receipts.
• Use debt collection software and tools to manage accounts, prioritize outreach, and meet monthly recovery targets.
• Stay current on industry best practices, tools, and compliance requirements.

Qualifications:

• Bachelor's degree in a related field or equivalent work experience.
• Previous experience in debt collection or a related field is preferred but not mandatory.
• Strong communication and negotiation skills.
• Ability to handle difficult and sensitive conversations with debtors.
• Attention to detail and accuracy in record-keeping.
• Knowledge of relevant debt collection laws and regulations.
• Proficiency in using collection software and computer applications.
• Excellent time management and organizational skills.
• Ability to work both independently and as part of a team.
• Commitment to maintaining ethical collection practices.

100% WFO and night shifts applicable by default

Prior International voice experience – B2B/B2C Collections.

Calling for payment on overdue invoices for buckets in scope

Doing maintenance on the account

Handling accounts / payment queries from accounts payable team

Interaction with other teams - billing, originations etc.

Payment application

Handling disputes and resolution

Invoice reconciliation - Pre bills, Credit rebills, Invoice splitting, PO change, Adjustments as per scope.

Basic Excel based reporting and analysis on assigned inventory

Daily task list wrt regular TCS activities