We are seeking a result-driven and experienced
Desk Collection Manager
to 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 implement
collection strategies
to 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 with
OJK (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 of
digital collection tools, automation, and data-driven strategies
. - Ensure high standards of customer service while handling sensitive collection matters.
Requirements
- Bachelor's degree in
Finance, Accounting, Economics, Business Administration
, or related field. - Minimum
5 years of experience
in Desk collection field, preferably in
Fintech, P2P Lending, industry
. - Proven experience in leading and managing a collection team.
- Strong knowledge of
credit 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 in
Microsoft Excel, reporting tools, and collection management systems
. - Ability to work under pressure, handle complex cases, and achieve collection targets.
- Familiarity with
digital lending platforms
and tech-driven collection strategies is a plus.