As our Collections Associate, you will play a key role in managing our portfolio of outstanding arrears and overdue accounts, contributing to cash flow and minimising bad debt.

In our fast-paced, high-growth startup environment, you take ownership of the collections process end-to-end, proactively reaching out to customers, negotiating payment arrangements, and escalating cases as necessary. Your work will require a mix of analytical and people skills, as well as the ability to think on your feet and solve problems with a customer-centered approach.

Responsibilities

• Manage and own a portfolio of outstanding and overdue accounts, ensuring timely follow-up and collections.
• Negotiate payment arrangements with customers, always aiming for positive, win-win outcomes.
• Proactively generate arrears reports, analyse collections data, and identify improvement opportunities.
• Coordinate with third-party agents for field visits and skip tracing as needed.
• Conduct inbound and outbound communication via calls, emails, SMS, and WhatsApp, while complying with company policies and procedures.

Skills and Experience

• Proven track record in consumer debt collections, with an understanding of collections procedures.
• Strong written and verbal communication skills, capable of clear, empathetic, and solution-focused customer interactions.
• Excellent customer service skills with the ability to de-escalate upset customers and resolve issues calmly and tactfully.
• Thrives in a fast-paced, high-pressure environment, demonstrating accountability, proactive problem-solving, and a commitment to achieving results.
• Self-starter attitude with a strong sense of ownership and adaptability in a dynamic startup setting.

Attributes

• Accountability – you take responsibility for managing accounts, meeting targets, and following through on commitments.
• Ownership – you treat each customer account as your own, showing a proactive commitment to resolving issues and improving processes.
• Proactiveness – you anticipate potential issues, take initiative in reaching out to customers, and actively seek solutions.
• Problem-solving skills – Can navigate complex or challenging customer interactions and negotiate effectively for positive outcomes.
• Adaptability – you are comfortable in a fast-paced, dynamic startup environment and are able to shift priorities as needed.
• Customer-centric approach – you can balance collections goals with empathy and professionalism, maintaining a positive customer relationship.
• Resilience and stress tolerance – you maintain a calm demeanour and focus under pressure, even in high-stakes or high-volume scenarios.
• Analytical Mindset – you can analyse arrears reports and data to make informed decisions and improve the collections process.

Why join Circular?

Our Values

All Circular employees are expected to fully live our values. We take this seriously: our values are not written on a poster and ignored, but written in our heads and our hearts.

• Waste Less Time is our most precious resource. Every employee is empowered and expected to spend their time wisely and with purpose.
• Seek Unusual Knowledge A startup is a learning machine. We value the acquisition, dissemination, and application of unusual knowledge and insights. We insist on truth.
• Be Present We honour our past and dream big dreams for our future, but we live vividly in the present. We give our full focus to the job at hand, and take the time to appreciate our milestones and victories along our startup journey.
• Freedom With Purpose We give people the freedom and trust they need to do their jobs to the best of their ability.We expect the freedom to be taken seriously, and hold people responsible for using it to further Circular’s vision and purpose.

Our Benefits

• Unlimited Paid Time Off
• Private Medical Healthcare and Outpatient Care (Singapore employees)
• $200 "Circular Credits" to spend on whatever you want on the Circular store
• Approval-free spending for work incidentals
• Flexibility for Remote Work