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Debt collectors in Indonesia: desk and field collection, OJK rules, pay, applying safely

Written by KarirAman editorial team Approved by Kaiser Khan (editor), Updated

Debt collectors chase overdue instalments by phone or visits, and OJK Regulation 22/2023 bans threats, violence and shaming debtors.

Summary

Professional requirements: Professional certificate in collection (required at finance companies and collection agencies) High scam risk
  • Debt collectors chase overdue credit or financing instalments, by phone and message (desk collection) or by visiting the customer's address (field collection).
  • OJK Regulation 22/2023 Article 62 bans collection by threats, violence or shaming, and bans chasing anyone other than the customer.
  • Collection is allowed only Monday to Saturday outside national holidays, 08.00 to 20.00 local time, unless the customer agrees otherwise.
  • Collectors supplied by collection agencies must be certified in collection by an LSP or an association registered with OJK (OJK Regulation 22/2023 Article 61).
  • Threatening debtors can be a crime: in November 2025 the National Police named illegal-lender desk collectors as suspects.
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On this page
  1. What does a debt collector do in Indonesia?
  2. What do you need to become a debt collector?
  3. What does a typical debt collector job description look like?
  4. How much does a debt collector earn in Indonesia?
  5. What education or training do debt collectors need?
  6. What does OJK forbid debt collectors to do?
  7. What legal risks do debt collectors themselves face?
  8. What rights do debt collectors have on pay, commission, targets and outsourcing?
  9. What should you do if you are told to collect in a way that breaks the rules?
  10. How do you check an employer before accepting a collection job?
  11. What interview questions might you be asked for debt collector jobs?
  12. Which job scams target debt collector applicants?
  13. Where can you find safe debt collector vacancies?
  14. Which careers are similar?

What does a debt collector do in Indonesia?

A debt collector chases instalments that are past due on behalf of a bank, a finance company or a licensed online lender. Desk collectors work from an office by phone, message and e-mail; field collectors visit the billing address. OJK Regulation 22/2023 Article 60 requires the lender to send a written warning first, stating the due date, days overdue, outstanding principal and late fees.

  • Contact overdue customers by phone, message or e-mail, following the schedule and scripts the company has approved.
  • Explain the bill: due date, days overdue, principal, interest or margin, and late fees under the contract.
  • Offer official settlement options, such as a promise to pay, restructuring or full repayment, in line with the lender's policy.
  • Visit the billing address for field collection, carrying a clear assignment letter and identification.
  • Log every contact, promise to pay and visit result in the collection system.
  • Report customer complaints and suspected fraud to a supervisor or the complaints unit.
  • Attend training on collection procedures and the code of conduct, including protecting customers' personal data.

What do you need to become a debt collector?

Desk collection ads usually ask for senior high school, vocational school or a diploma, good communication and resilience under pressure; field collection usually asks for a motorcycle licence and a vehicle. Collectors at finance companies need a professional certificate in collection, and collection agencies must use staff certified by an LSP or an association registered with OJK (OJK Regulation 22/2023 Article 61(3)). Ask at interview who pays for training and the exam.

Licence or certificate
Professional certificate in collection (required at finance companies and collection agencies)
Issued by
Financial Services Authority (OJK), through an LSP or an association registered with OJK
Legal basis
OJK Regulation 22/2023 Articles 60 to 62; OJK Regulation 43/2024 (staff certification at finance institutions)

What does a typical debt collector job description look like?

Debt collector ads usually mention a monthly collection target, office shifts or field visits, base pay plus incentives, and training in collection procedures. The description below is written by us from common ad patterns, with no company names. It is not a vacancy, so there is no apply button. Appearance, marital status or age limits without a lawful reason must not be requirements.

General example, not a vacancy

We wrote this description ourselves from what job ads usually ask for. It is not a vacancy from any company.

Commonly requested requirements

  • Senior high school, vocational school or a three-year diploma in any field; some banks ask for a diploma or degree.
  • Good communication, patience and the ability to negotiate politely under targets.
  • For field collection, usually a motorcycle licence (SIM C) and your own vehicle.
  • Willing to take collection training and the certification exam where required.
  • Careful record-keeping and comfortable with computers or collection apps.

Skills

Negotiation, Phone communication, Emotional control, Data entry, Understanding credit and financing products, Personal data protection, Time management, Complaint handling.

Ministry of Manpower Circular M/6/HK.04/V/2025 bars employers from discriminating on any basis in recruitment. An age requirement is allowed only where the nature of the job genuinely affects ability and it does not remove the chance of work, and the same applies to workers with disabilities. Law 13/2003 Articles 5 and 6 guarantee equal opportunity and treatment without discrimination. JDIH Kementerian Ketenagakerjaan JDIH BPK RI (peraturan.bpk.go.id)

How much does a debt collector earn in Indonesia?

KarirAman does not yet have debt collector pay data that meets our standards, so the table below shows only a BPS group reference and the minimum wage, not pay for this job. The common pattern is base pay plus an incentive on the amount collected, with a monthly target. The rules on minimum wage, fines deducted from pay and outsourcing contracts are in the rights section below. Ask for base pay, incentives and target rules in writing before you sign.

Debt Collector: available pay data (as of 8 October 2026)
Data Figure Notes
Pay range in KarirAman verified vacancies Not enough data yet (n < 30)
Average net wage of employees, Financial and insurance activities (BPS Sakernas May 2026) IDR 5,511,847 reference for the Financial and insurance activities sector, not specific to this career; net (after deductions) Badan Pusat Statistik
Minimum wage (UMP/UMK) as the floor IDR 2,317,601 to IDR 5,729,876 Lowest 2026 UMP IDR 2,317,601 (West Java), highest IDR 5,729,876 (Jakarta) Micro and small businesses are exempt from the minimum wage rules; pay there is set by agreement and still has a legal floor. Kementerian Hukum RI (peraturan.go.id)

Check your city's minimum wage (2026) Work out your take-home pay How we handle salary data

What education or training do debt collectors need?

No specific course leads to debt collection; school leavers and diploma holders from any field can start. Useful skills are negotiation, administration and understanding credit products. Collection certification comes through training and an exam; the head of the online-lending association said the certificate lasts three years (Kontan, 6 May 2024). Where no LSP exists, OJK allows certification by an association or a party OJK appoints.

What does OJK forbid debt collectors to do?

OJK Regulation 22/2023 Article 62(2) requires collection without threats, violence or shaming; without physical or verbal pressure; not directed at anyone other than the customer; not so persistent that it harasses; at the billing address or the customer's home; and only Monday to Saturday from 08.00 to 20.00 local time. The lender is responsible for the consequences of working with a collection partner (Article 61(5)).

What rights do debt collectors have on pay, commission, targets and outsourcing?

If you are an employee, your pay may not be below the minimum wage: Government Regulation 36/2021 Article 23 forbids employers from paying less than the minimum wage, and incentives on amounts collected can be added on top. Fines for missed targets may be deducted from pay only if set out in the employment contract, company regulations or collective agreement (Article 63). If an outsourcing firm hires you, Government Regulation 35/2021 Article 18(3) makes that firm responsible for your protection and pay. A commission-only offer without a written contract is a warning sign.

Legal status: the Labour Protection Law was approved by the DPR and the Government on 6 October 2026 but has not been promulgated and its text is not public. Until it takes effect, the rules on this page apply.

Dewan Perwakilan Rakyat RI (emedia); Kementerian Ketenagakerjaan RI

What should you do if you are told to collect in a way that breaks the rules?

If a supervisor tells you to threaten people, chase a borrower's family or friends, or spread borrowers' data, you have the right to refuse. Safe steps:

  1. Refuse politely and, if you can, in writing by work e-mail or message, and keep the evidence.
  2. Keep copies of scripts, targets and work orders that breach OJK Regulation 22/2023 Article 62.
  3. If the lender is not in OJK's directory, stop working there; staying means taking part in an illegal business.
  4. Report collection practices that break the rules to OJK, and report threats or extortion to the police.
  5. For withheld or unlawfully cut pay, start with bipartite negotiation, then mediation at the local manpower office. See the guide to labour dispute mediation.

How do you check an employer before accepting a collection job?

Collectors who work for a licensed lender and a clearly identified collection agency are far better protected. Before you sign anything:

  1. Ask for the full name of the lender or bank whose accounts you will handle.
  2. For online lending, check the name in OJK's directory of licensed providers, or ask Kontak OJK 157.
  3. Check the legal entity of the collection agency or outsourcing firm in AHU, the Ministry of Law's company register.
  4. Ask for a written employment contract that states pay, incentives, target rules and deductions.
  5. Never pay for training, a uniform or certification as a condition of being hired.

To understand your rights on a fixed-term or outsourced contract, read fixed-term and permanent contracts.

What interview questions might you be asked for debt collector jobs?

Interview questions for debt collector jobs often cover accuracy with figures, the accounting software or spreadsheets you use, handling discrepancies, what you would do if asked to change figures, and reporting deadlines. Each example below comes with why it is asked and how to answer it. The Ministry of Manpower warns that an instant chat interview without formal confirmation is one sign of a fake job.

Republika (official statement via media)

General examples written by KarirAman, not questions from any particular company. How to practise: read the question, answer it out loud, then open the guidance to compare.

Questions for this field

How do you make sure the figures in a report are right?

Why they ask: Financial reports drive important decisions, so accuracy comes first.

How to answer: Explain your steps: reconciling with transaction evidence, cross-checking between reports and keeping a traceable record of changes.

Which accounting software or spreadsheets have you used?

Why they ask: The company wants to know how quickly you can work with its systems.

How to answer: Name the programs and tasks, such as journals, bank reconciliations or summary tables. If you have not used their system, explain how you learn a new one.

Tell me about a time you found a discrepancy or a recording error.

Why they ask: How you trace a discrepancy shows persistence and honesty.

How to answer: Use the STAR pattern. Describe how you traced the cause, documented the correction and reported it to your supervisor.

What would you do if you were asked to change figures without a clear basis?

Why they ask: This tests integrity, which matters in finance.

How to answer: Say you would ask for supporting documents, refuse to falsify records and raise the matter through the company's proper channel.

How do you organise your work before month-end closing or a reporting deadline?

Why they ask: Closing periods are busy and deadlines are fixed.

How to answer: Describe your checklist, a schedule worked back from the deadline and the work you prepare early.

How do you collect debts politely and within the rules?

Why they ask: Abusive collection harms customers and the company's name.

How to answer: Explain that you follow company and regulator rules, call at reasonable hours, never threaten or shame anyone, never contact unrelated people and record every contact.

Common questions that also come up (12 questions)

  • Tell me about yourself.

    Answer in about a minute: where you are now in work or study, two experiences that matter for this job, then why you applied. Personal matters such as family status are not needed.

  • Why did you apply to this company?

    Mention one or two real things you learned from the company's official website, such as its business or services, and link them to your skills.

  • Why are you interested in this role?

    Pick two tasks from the job advert, describe similar things you have done, and say which part you most want to grow in.

  • What are your strengths?

    Name one or two strengths and give short proof: the situation, what you did and the result.

  • What is your weakness?

    Choose a real weakness that is not central to the job, then explain what you are doing to improve it.

  • Tell me about a problem at work or school that you solved.

    Use the STAR pattern: Situation, Task, Action, Result. Focus on what you yourself did and what you learned.

  • How do you work in a team, including when people disagree?

    Give a real example of listening, explaining your view politely and finding a solution everyone accepted.

  • How do you handle pressure or tight deadlines?

    Explain how you set priorities, such as a task list or checking with your supervisor, and give one example of the outcome.

  • Where do you see yourself in two or three years?

    Mention the skills you want to master and the responsibility you hope to take on, without promising things you cannot know.

  • What salary do you expect?

    First research the pay range for the role and the local minimum wage where you would work. Give a range, then ask whether the figure is gross or net and which allowances apply.

  • When can you start?

    Give a realistic date. If you are still employed, mention the notice period in your current contract so you do not break it.

  • Do you have any questions for us?

    Ask about the contract type, working hours, base pay and allowances, the next selection step and when results are announced. Ask for the offer in writing.

Warning signs in interviews (6)

  • The interview happens only by WhatsApp or Telegram chat with no formal invitation, or you are pushed to be interviewed on the spot.

    What to do: Ask for a written invitation from a company-domain e-mail address, then match the contact with the official website you look up yourself.

    Republika (official statement via media)Kompas TV (official statement via media)detikFinance

  • You are asked to pay for a test, a psychological test, a medical check-up, training or a uniform, or to book tickets and a hotel through an appointed agent with a promise of reimbursement.

    What to do: Do not transfer anything. The Ministry of Manpower says legitimate recruitment does not charge applicants.

    Kompas TV (official statement via media)Republika (official statement via media)Koran Jakarta (official statement via media)PT Bank Central Asia Tbk (BCA)

  • The interview is held in a hotel room, a private house or another closed place that is not an office, or the location keeps changing. An invitation to stay overnight, or any sexual demand, as a condition for being hired or for renewing a contract is also a warning sign.

    What to do: Ask for the interview at the office or a public place, tell someone close to you where you are, and leave if you feel unsafe. Sexual demands can be reported to the police or the local manpower office (Disnaker). If you are in danger, call the police.

    Koran Jakarta (official statement via media)detikBali (detik.com) (official statement via media)Medcom.id (official statement via media)

  • You are asked for a photo of your KTP or family card, a selfie holding your ID, your bank account number, an OTP code, a PIN or a password before any written job offer.

    What to do: Do not send them. OJK says never to give an OTP, PIN or password to anyone, and identity data can be misused for illegal online loans.

    Kompas TV (official statement via media)Otoritas Jasa Keuangan (Sekretariat Satgas PASTI)Koran Jakarta (official statement via media)

  • The interview invitation arrives as an app file (APK) or a link that asks you to install an app.

    What to do: Do not open it. OJK and Kominfo warn that fake APK files can read SMS messages with OTP codes and then drain bank accounts.

    CNN Indonesia (official statement via media)

  • After the interview you are asked to hand over your original diploma or other original personal documents as a guarantee for the job.

    What to do: Ministry of Manpower Circular M/5/HK.04.00/V/2025 bars employers from requiring or holding original diplomas and personal documents as a guarantee for the job. The only exception is a diploma or competency certificate from education or training paid for by the employer under a written employment agreement, and the employer must keep it safe and compensate you if it is damaged or lost. Otherwise, show them for checking, then take them home.

    Dinas Tenaga Kerja Kota Batam (meneruskan SE Menteri Ketenagakerjaan RI)

In danger or held at an interview location? Call the police:

See all interview questions Build an ATS CV Write a cover letter

Which job scams target debt collector applicants?

The most dangerous are desk collection jobs for illegal online lenders: no company name, work from a phone or from home, and orders to collect with threats or by spreading data. OJK's illegal-finance task force, Satgas PASTI, shut down 951 illegal lending entities from January to March 2026. Read the duties, not just the title: a job called legal staff or admin can turn out to be collection targets. Watch for pay-deduction fines and paid certification too.

Warning signs in debt collector job ads

  • The collection office has no company name and you are told not to name the lender; check OJK's directory of licensed online lenders first.Otoritas Jasa Keuangan
  • You are told to chase emergency contacts, relatives or friends of the borrower; OJK Regulation 22/2023 Article 62 bans chasing anyone but the customer.Otoritas Jasa Keuangan
  • Your supervisor hands you scripts with threats, edited photos or orders to spread borrowers' data; police charged illegal-lender desk collectors for this pattern.Metro TV News (official statement via media)
  • Missed targets are punished with fines deducted from pay, with no basis in the contract or company regulations.Kementerian Hukum RI (peraturan.go.id)
  • You are asked to pay for training, a uniform or certification to be hired; the Ministry of Manpower says a recruitment fee is almost certainly a scam.Republika (official statement via media)
  • The job offers commission only, with no base pay and no written employment contract.Kementerian Hukum RI (peraturan.go.id)
  • The interview and training happen only by chat, you are hired at once and told to collect from your personal phone at home.Republika (official statement via media)

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Where can you find safe debt collector vacancies?

Look on the official careers pages of banks, finance companies or online lenders listed in OJK's directory, and on the Ministry of Manpower's Karirhub portal. Some collectors are hired through outsourcing firms or collection agencies, so make sure the firm's name and legal entity are clear, check it in AHU and ask which lender's accounts you will handle. KarirAman does not list verified debt collector vacancies yet.

No verified vacancies for this role yet

We only list vacancies we have checked. In the meantime, look for jobs on these official channels.

Which careers are similar?

See other careers in Finance and accounting

Frequently asked questions

Can a debt collector contact a borrower's family or friends in Indonesia?

Not to collect. OJK Regulation 22/2023 Article 62(2)(c) requires lenders to make sure collection is not directed at anyone other than the customer. Chasing emergency contacts, let alone telling other people about the debt, breaks that rule. Unlawfully disclosing another person's personal data is also banned by Law 27/2022 on Personal Data Protection, Article 65(2).

What hours are debt collectors allowed to call?

Under OJK Regulation 22/2023 Article 62(2)(f), collection may take place only Monday to Saturday outside national holidays, from 08.00 to 20.00 local time. Collecting outside those hours, or away from the billing address or the customer's home, is allowed only with the customer's prior consent or agreement (Article 62(3)).

Do debt collectors need a certificate in Indonesia?

For finance companies, OJK's FAQ on OJK Regulation 43/2024 says the company must ensure staff hold a professional certificate in collection. When collection is outsourced, OJK Regulation 22/2023 Article 61(3) requires the agency to be a licensed legal entity whose staff are certified in collection by an LSP or an association registered with OJK. In online lending, the industry association says collector certificates come after training and an exam.

Can a debt collector be prosecuted?

Yes, if the collection methods break the law. Law 1/2024 (the second amendment to the Electronic Information and Transactions Law) Article 29 bans sending threats of violence or intimidation directly to a victim, and Article 27B(2) bans forcing someone to hand over goods, give a loan, acknowledge a debt or write off a receivable by threatening to defame them or reveal a secret. In November 2025 the National Police used those articles against an illegal lender's desk-collection team. A target set by your boss is no excuse for threats.

How can I make sure I am not working for an illegal online lender?

Check the lender's name in OJK's directory of licensed online lending (pindar) providers; as of 31 July 2026 it listed 94 providers. You can also ask Kontak OJK 157 about a licence. Ask for the name of the collection agency, check its legal entity in AHU and ask for a written employment contract. An office with no company name, work only through a personal phone and a ban on naming the lender are red flags.

How is a debt collector different from telemarketing, customer service and account officers?

Telemarketers sell products by phone, while debt collectors chase payments that are already overdue. Customer service staff answer questions and complaints. Account officers make loans and monitor borrowers from the start, including reminders around the due date; collectors step in when arrears continue. Polite, well-documented collection experience can lead to collection supervisor, credit analyst or customer service roles.

Who wrote and reviewed this page?

Written by KarirAman editorial team Published Updated

Prepared with AI assistance. Checked against official sources and approved for publication by Kaiser Khan (editor). Approval date: .

Sources

The facts on this page come from these sources. Dates show when we opened them.

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How to cite

KarirAman (2026). Debt collectors in Indonesia: desk and field collection, OJK rules, pay, applying safely. Updated 8 October 2026. https://kariraman.com/en/careers/debt-collector/

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Change log
  • : Written: desk and field collection duties, OJK Regulation 22/2023 collection rules, certification, collectors' criminal risks, pay and illegal-lender job scams.
  • : Fact-check fixes: a rights section with the legal-status banner, Law 1/2024 Article 27B(2) worded as in the statute, and article-level sources for POJK 22/2023 and Law 27/2022.
  • : Title, description and first answer now use the terms readers search for; category, related careers and supporting links updated.