We are seeking a result-driven and experiencedDesk Collection Managerto lead and oversee our collections team in managing repayment activities within the Fintech / P2P lending environment. The role is critical in ensuring healthy portfolio performance, reducing delinquency rates, and maintaining compliance with regulatory standards.
Key Responsibilities:
- Develop and implementcollection strategiesto optimize recovery rates and minimize Non-Performing Loans (NPLs).
- Monitor daily, weekly, and monthly collection performance against KPIs and targets.
- Supervise and provide guidance to the collection team, including field collectors, desk collectors, and team leaders.
- Ensure compliance withOJK (Otoritas Jasa Keuangan)and other regulatory requirements related to collection practices.
- Analyze borrower repayment behavior, trends, and portfolio risks; provide insights and recommendations to management.
- Handle escalated cases and negotiate repayment solutions with delinquent borrowers.
- Collaborate with other departments (Risk, Legal, Operations) to address default cases and implement recovery actions.
- Maintain accurate records of collection activities and prepare regular performance reports for management.
- Drive continuous improvement initiatives, including adoption ofdigital collection tools, automation, and data-driven strategies.
- Ensure high standards of customer service while handling sensitive collection matters.
Requirements:
- Bachelor's degree inFinance, Accounting, Economics, Business Administration, or related field.
- Minimum5 years of experiencein credit collection or recovery, preferably inFintech, P2P Lending, Banking, or Multifinance industry.
- Proven experience in leading and managing a collection team.
- Strong knowledge ofcredit risk management, debt recovery processes, and regulatory frameworks.
- Excellent negotiation, communication, and problem-solving skills.
- Strong analytical skills with ability to interpret financial data and borrower behavior.
- Proficient inMicrosoft Excel, reporting tools, and collection management systems.
- Ability to work under pressure, handle complex cases, and achieve collection targets.
- Familiarity withdigital lending
