Desk Collections Manager

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 credit collection or recovery, preferably in Fintech, P2P Lending, Banking, or Multifinance 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.