Head of Collection

South Jakarta
Permanent
Full-time

1 month ago
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About AmarthaAt Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We’ve supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2025, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.About the RoleAs Head of Collection at Amartha, you will lead the end-to-end strategy and execution of collections and recovery across our group lending and digital financing products. Your work will directly support our mission to empower micro-entrepreneurs, especially women in underserved areas, while ensuring portfolio quality and regulatory compliance. This role requires a strategic mindset, strong leadership, and the ability to balance recovery efforts with customer empathy and operational excellence.What You Will DoStrategic Leadership

Develop and implement a comprehensive collections and recovery strategy aligned with company objectives
Design and execute segmentation-based collection treatments based on collectability, demographic area, customer behavior, and product types
Drive digital transformation and automation in collections and recovery processes
Set targets and KPIs for the collections team in alignment with company objectives

Operational Excellence

Oversee all collections operations—early-stage, mid-stage, and late-stage
Manage and evaluate tele-collection and third-party collection agencies
Ensure timely and accurate execution of collection activities in line with SOPs and compliance standards
Ensure all collection activities align with company policies, industry best practices, and regulations (OJK & AFPI)

Data & Analytics

Collaborate with risk and analytics teams to build robust credit and collections scorecards
Monitor portfolio performance metrics including delinquency rates, roll rates, cure rates, and recovery yield
Use data insights to continuously refine and optimize collection strategies
Generate regular reporting dashboards and present performance to executive leadership

Team & Stakeholder Management

Drive productivity, motivation, and training & mentoring programs to enhance collection effectiveness
Partner with other departments such as Lending Business, Risk, Data, Fraud Control Unit, Operations, and Product & Engineering to ensure a holistic approach to debt management and improve collection process & recovery

Requirements

Bachelor's degree in Finance, Business Administration, Law, or a related field (Master’s degree is a plus)
8–15 years of experience in collection or accounts receivable management, with at least 3–5 years in a managerial or leadership role
Preferred industry experience in Financial Services, Fintech / Digital Lending, Microfinance (especially Grameen / Group Loan), or Retail Banking / Consumer Credit
Proven track record in managing large-scale collection teams and improving recovery performance
Strong understanding of consumer credit, risk management, and regulatory frameworks (especially for unsecured or micro-financing)
Familiarity with collection systems and analytics tools
Excellent leadership, analytical, and problem-solving skills
Excellent stakeholder management, communication, and negotiation skills
Able to work under pressure and in a target-driven environment

Amartha