Deskripsi pekerjaan Mediation & Negotiations Specialist FLIN
Responsibilities
1. Structured Loan Mediation & Settlement Strategy
- Conduct end-to-end negotiations with digital lenders, P2P platforms, multi-finance companies, and banks
- Develop structured repayment plans based on borrower exposure and timing
- Negotiate principal reductions, interest waivers, penalty eliminations, and systematic settlement timelines
- Enhance lender discount rates to increase Dana Talangan's feasibility
- Manage settlements across current accounts, overdue accounts, and charged-off portfolios
- Ensure legally binding and compliant settlement documentation
2. Borrower Financial Structuring & Eligibility Engineering
- Analyze the borrower’s cash flow, liabilities, and repayment capacity
- Determine optimal settlement sequencing in multi-lender situations
- Design phased settlement plans to unlock Dana Talangan's eligibility
- Educate borrowers regarding settlement, restructuring, and refinancing trade-offs
3. Lender Relationship & Discount Optimization
- Utilize established relationships with financial institutions to secure favorable settlement outcomes
- Maintain engagement with P2P lenders, multi-finance companies, digital lending platforms, and collection agencies
- Monitor historical discount benchmarks per lender
- Improve average negotiated discount percentages over time
- Develop escalation strategies for complex or high-exposure cases
4. Financial Literacy & Strategic Advisory
- Educate borrowers on unsecured lending structures, including interest accrual, penalties, and collection cycles
- Explain lender recovery stages and realistic settlement timelines
- Advise borrowers to prioritize essential living expenses during financial distress
- Inform borrowers of their legal rights and protections when interacting with debt collectors
- Provide structured guidance on communications with lenders and collection agents
- Clarify the effects of delinquency on credit bureau records and future financing
- Support borrowers in transitioning to a responsible structured settlement and refinancing
5. Mediation Performance Analytics
- Monitor settlement KPIs, including discount rate by lender category, closure cycle times, conversion rates, and drop-off rates
- Identify patterns in lender behavior
- Develop data-driven negotiation strategies
- Prepare structured performance reports
- Utilize Excel, CRM, and internal dashboards to optimize outcomes
6. Cross-Functional Collaboration
- Collaborate closely with Dana Talangan underwriting team, legal and compliance departments, customer success, and risk analytics
- Align settlement structures with refinancing criteria
- Ensure seamless transitions from mediation to financing
Requirements
- Minimum 1–3 years of experience in debt restructuring, loan settlements, collections strategy, and consumer lending ecosystem.
- Established relationships with P2P lenders in Indonesia, multi-finance companies, and digital lending institutions.
- Proven track record of negotiating substantial settlement discounts.
- Proficiency in Excel and CRM applications.
Performance Metrics (KPIs)
- Average negotiated discount percentage
- Dana Talangan's eligibility conversion rate
- Settlement cycle time
- Lender settlement success rate
- Borrower satisfaction score
- Repeat lender engagement efficiency
