Discovery Capital Finance Corp.
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Credit and Collection

Credit Investigator / Collector

Isabela City, Isabela Satellite Office Naga City, Naga Satellite Office

About the role

This role combines credit investigation and collections responsibilities to support account monitoring, recoveries, and compliance with internal policies and legal guidelines.

Job description

  • Assess creditworthiness through income, assets, and debt evaluation.
  • Conduct background checks via public records and social media.
  • Coordinate with Credit and Legal teams for resolutions and ensure compliance with policies and legal guidelines.
  • Prepare and submit a comprehensive report for the Sales Team’s reference.
  • Maintain consistent communication with the Sales Team regarding accounts for Credit Investigation (CI).
  • Contact customers with past-due accounts via calls, emails, and written notices.
  • Verify account information and outstanding balances in the system.
  • Remind customers of due dates and provide account statements as needed.
  • Negotiate and arrange payment plans, settlements, or restructuring options.
  • Record all communications and outcomes accurately in the CRM or collection system.
  • Monitor and follow up on promised payments to ensure compliance.
  • Escalate unresolved or problematic accounts to the Collections Supervisor for legal, skip tracing, or field investigation.
  • Coordinate with Accounting/Legal for endorsement, validation, and payment posting.
  • Educate customers on billing processes, penalties, and available payment channels.
  • Maintain professionalism while handling difficult or irate customers.
  • Collect penalties and amortizations.
  • Conduct professional client visits and timely payment collection with the highest level of integrity.
  • Perform additional duties and ad hoc tasks as assigned by the Credit and Collection Manager and/or DCFC Management.

Benefits

  • Very Competitive Salary with Annual Increases
  • Mid year Bonus (14th Month Pay)
  • Performance Bonus (15th-16th Month Pay)
  • Per Diem for branch visits
  • Travel Incentives (Local or Abroad) with all expenses covered
  • Employee Investment Opportunities

Comprehensive health benefits

  • Health Maintenance Organization (HMO)
  • Medical and Dental Allowance
  • Life Insurance

Company provided

  • Mobile phone
  • Birthday Cake with Gift Certificate
  • Complimentary breakfast every workday
  • Lunch Allowance
  • Monthly Employee Engagement Events
  • Team Meeting Lunch Outs