Collections Officer

Reimagine access. Reimagine ownership. Build the future with Cinch.

Cinch is Southeast Asia’s leading circular tech subscription company, redefining how people and businesses access technology. Instead of adding to the growing e-waste crisis, we enable affordable, sustainable access to devices through subscriptions that maximize reuse and extend their lifecycle. We operate across B2C, B2B, and B2B2C channels, including major partnerships with global leaders like Samsung. Our model sits at the intersection of powerful mega trends — sustainability, embedded finance, and the shift from ownership to access — creating a massive opportunity to reshape the future of tech consumption. At Cinch, we are builders with high standards, a bias for action, and a shared mission to create a generational company that outlasts us. Freshly funded by leading institutional investors and growing rapidly, we’re creating an environment where ambitious people can do the best work of their careers — and where the work has real, lasting impact.

The Role

As a Collections Executive, you’ll play a critical role in protecting Cinch’s circular subscription model by driving timely recoveries while delivering a respectful, solutions-oriented customer experience. You’ll own day-to-day collections outreach, help customers resolve billing issues and repayment options, and collaborate with Finance, Risk, Support, Legal, and external agency partners to ensure consistent, compliant outcomes. This role blends communication skill, analytical thinking, and operational discipline — and is essential to keeping our subscription ecosystem healthy and sustainable.

What You’ll Be Doing

Collect with Empathy & Precision

• Proactively follow up on overdue accounts via phone, email, and digital channels to drive timely payments.
• Navigate sensitive financial conversations with professionalism, tact, and firmness, always aiming for a complete resolution.
  
  

Resolve Billing Issues & Disputes

• Engage customers in a courteous and confident manner to clarify billing questions, resolve disputes, and address payment issues.
• Partner with Customer Support to ensure customer concerns are addressed without compromising on repayment outcomes.
  
  

Build Recovery Plans & Negotiate Outcomes

• Assess customers’ ability to pay and propose realistic repayment plans, aligned with company policy and risk guidelines.
• Track and follow up on payment commitments to ensure closure and reduce repeat delinquency.
  
  

Monitor Performance & Surface Risk Insights

• Track and report key collections metrics (e.g., DSO, aging, recovery rates), flagging emerging risks to Finance and/or Risk.
• Identify root causes of delinquency (payment failures, customer confusion, regional trends) and recommend improvements to processes and comms.
  
  

Coordinate Escalations & External Partners

• Work closely with external debt collection agencies on escalated cases, monitoring recovery progress and ensuring service-level expectations are met.
• Liaise with Finance and Legal on complex cases, ensuring accurate documentation and consistent escalation decisions.
  
  

Maintain Clean Records & Stay Compliant

• Maintain detailed case notes and records of interactions/outcomes in CRM/accounting systems for audit-readiness.
• Ensure collections activities align with applicable regulatory and privacy requirements (e.g., PDPA and relevant local guidelines).
  
  

Who You Are

You Might Be a Good Fit If You:

• Have 1–3 years of experience in collections, credit control, or accounts receivable (ideally in fintech, telecom, or consumer services).
• Are fluent in English (spoken and written); additional regional languages are a plus.
• Communicate clearly and confidently — you can be empathetic and assertive at the same time.
• Stay calm under pressure and handle objections or difficult conversations with tact.
• Are familiar with CRM tools and payments software.
• Have a working understanding of credit risk and debt recovery best practices.
• Are highly organized, detail-oriented, and comfortable managing multiple cases simultaneously.
• Are open to shift-based hours, including weekends and public holidays.
  
  

Bonus Points

• Proficiency in Bahasa Melayu or Mandarin.
• Experience in a startup or fast-paced, tech-driven environment.
• Prior exposure to regulated industries (e.g., lending, insurance, payments).
• Knowledge of local regulatory requirements related to debt recovery and collections practices across Southeast Asia.
  
  

Why Join Us

• Opportunity to help build a financially responsible customer base and strengthen a circular subscription model at scale.
• A collaborative culture that values ownership, learning, and empathy.
• Clear growth pathways into credit operations, risk, or broader customer operations.