Collections Specialist

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.

About the Role

We are looking for a proactive and detail-oriented Collections Executive to join our team. This role plays a key part in managing and improving our accounts receivable processes, ensuring timely recovery of outstanding dues, and maintaining strong relationships with customers. You’ll be the voice of the company in navigating sensitive financial conversations with empathy and professionalism.

Key Responsibilities

Debt Recovery & Follow-ups

Proactively follow up on overdue accounts via phone, email, and digital channels to ensure timely payments.

Customer Engagement

Engage with customers in a courteous and firm manner to resolve billing disputes and payment issues.

Monitoring & Reporting

Track and report on collection metrics (DSO, recovery rates, aging reports), flagging risks to the Finance or Risk team.

Negotiations & Payment Plans

Assess customers’ ability to pay and propose realistic repayment plans where necessary, in line with company policy.

Coordination with Debt Collection Agencies

Collaborate closely with external debt collection agencies to manage escalated cases, monitor recovery progress, and ensure service-level expectations and compliance standards are met.

Cross-functional Coordination

Liaise with Customer Support, Finance, and Legal to address escalated cases and ensure accurate record-keeping.

Compliance & Record keeping

Maintain detailed records of interactions and outcomes to ensure audit-readiness and compliance with regulatory requirements (e.g. PDPA, MAS guidelines if applicable).

Requirements

• Proven experience in collections, credit control, or account receivables (1–3 years ideally in fintech, telecom, or consumer services).
• Strong verbal and written communication skills, with fluency in [English / other relevant languages].
• Ability to remain calm and tactful under pressure.
• Familiarity with CRM tools and accounting systems (e.g. Salesforce, QuickBooks, Xero).
• Good understanding of credit risk and debt recovery practices.
• Empathetic, yet assertive; able to balance customer service with business outcomes.

Bonus Points

• Experience working in a startup or fast-paced, tech-driven environment.
• Prior exposure to regulated industries (e.g. lending, insurance, payments).
• Understanding of local regulatory requirements related to debt recovery (e.g. Singapore’s Credit Collection Practices, MAS rules).

Why Join Us

• Opportunity to contribute to building a financially responsible customer base.
• Collaborative culture that values ownership, learning, and empathy.
• Access to growth pathways in credit, risk, or customer operations.