The Credit Collection Officer is responsible for managing and recovering outstanding receivables through outbound phone calls to U.S.-based customers. The role focuses on negotiating payments, resolving delinquent accounts, and maintaining compliance with U.S. collection laws while delivering a professional customer experience. • You’ll be interacting with key players such as C-level executives from enterprise-level organizations which can expand your skills and network. • Making sound decision-making and flexibility to ensure team dynamics and productivity. • Hybrid work setup • Competitive salary and benefits • HMO + free dependent • Access to KMC's exclusive pantry (MadMax Coffee, Fresh Fridge) • Diverse learning & growth opportunities • Accessible Cloud HR platform (Sprout) • Above standard leaves • Perform outbound collection calls to customers with past-due accounts in the U.S. • Negotiate payment plans, settlements, or full balance payments in accordance with company policy • Clearly explain account details, balances, payment terms, and consequences of non-payment • Handle customer objections, disputes, and inquiries professionally and effectively • Accurately document call outcomes, promises to pay, and account updates in the system • Monitor assigned accounts and conduct timely follow-ups to ensure payment commitments are met • Escalate complex or disputed accounts to the appropriate internal teams when necessary • Ensure strict adherence to FDCPA, U.S. state regulations, and company compliance standards • Consistently meet or exceed assigned collection and quality performance targets • Maintain confidentiality and protect sensitive customer financial information • Bachelor’s degree or relevant experience in finance, accounting, business, or a related field preferred • 2–5 years of experience in credit collections, call center collections, or BPO outbound calling • Proven experience handling U.S. accounts is highly preferred • Strong verbal communication and negotiation skills • Ability to handle difficult conversations with confidence and professionalism • Willingness to work midshift NetSuite