Head of Collection Strategy

Amartha is a technology-driven financial ecosystem that empowers micro-businesses across Indonesia. As Head of Collection Strategy, you will lead the end-to-end strategy and execution of collections and recovery across our group lending and digital financing products.

Requirements

• 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
• 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)
• 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
• 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

Benefits

• Competitive salary
• Benefits package
• Opportunities for professional growth and development