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Secured Debt Collection Officer

Australia, Newcastle · Job Posted March 04, 2026
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Job Description

The Secured Debt Collections Officer plays a vital role in the recovery of assets associated with secured debts. They are responsible for conducting thorough research and investigations to locate security (car), managing delinquent accounts, ensuring compliance with legal regulations, and negotiating repayment plans with customers. This role requires a combination of strong communication skills, proactive behaviour, and the ability to manage complex situations efficiently. The ideal candidate will possess a blend of interpersonal, analytical, and organizational abilities to excel in this dynamic environment.

Job Responsibility

  • Conduct research and investigations to locate assets associated with secured debts
  • Manage delinquent accounts by investigating them and taking appropriate action
  • Ensure compliance with all relevant laws and regulations
  • Negotiate repayment plans and set up payment arrangements with customers
  • Communicate effectively with external customers and internal partners
  • Handle courageous conversations with customers via phone, making timely and informed decisions
  • Demonstrate proactive behaviour with high levels of energy and integrity
  • Maintain highly developed organizational skills and attention to detail
  • Adapt to evolving priorities and deadlines while managing multiple projects simultaneously
  • Oversee all aspects of Mercantile operations from job lodgement to asset release, including managing enforcement fees, optimizing asset value through repairs and market research, making decisions on under reserve sales, and handling insurance-related tasks such as claim payouts and replacement vehicles

Requirements

  • Excellent communication skills and phone manner
  • Ability to interact effectively with external customers, internal and external partners
  • Quick thinking abilities for making timely decisions during conversations
  • Proactive approach with high energy levels and integrity
  • Highly developed organizational skills and attention to detail
  • Ability to adapt to evolving priorities and deadlines and manage multiple projects at one time

Nice to have

  • Strong teamwork skills, with the ability to collaborate within and across teams and functions
  • Ability to think creatively and problem solve when faced with new challenges
  • Ability to work independently & self-motivated
  • Strong time management skills with the ability to deliver quality work in an efficient manner

What we offer

  • Up to 5 additional days of bonus leave per calendar year after 12 months of service for eligible employees
  • 3 days paid community service and volunteering leave per year
  • 12 weeks of employer-paid parental leave and two weeks employer-paid leave for secondary carer
  • Quarterly champion awards and reward trips
  • Mental health and wellbeing initiatives, health checks, skin cancer checks, free vaccination, etc.
  • Team social events, massages in the office, free coffee and much more

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