Collection Manager – Senior Manager

Ajaib

. Design and own the collection strategy across all leverage and loan products, from pre-due reminders and margin calls through early, late and recovery stages .

Posted 11/3/2026full-timeJakarta • IndonesiaSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in designing and executing collection strategies across various lending products while ensuring compliance with OJK regulations and consumer protection laws. Proficient in managing collection operations, leading teams, and utilizing data-driven insights to optimize performance metrics.

Highest-signal resume keywords

Collection Strategy DevelopmentOJK Regulations KnowledgeData Analysis with SQL or ExcelTeam Leadership in CollectionsThird-Party Agency Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Collection Policy WritingRisk SegmentationPerformance Metrics AnalysisAutomated Contact StrategiesMargin Financing KnowledgeCredit Risk ManagementData-Driven Decision MakingA/B TestingPortfolio SegmentationCollection Function Setup

Soft Skills

Structured Decision-MakingCalm Under PressureEffective CommunicationConflict ResolutionCoaching and Mentoring

Tools & Technologies

Collection PlatformsDialersDecisioning EnginesData DashboardsAutomated Notification Systems

Certifications & Qualifications

AFPI Collection CertificationRisk Management CertificationsFRM Certification

Industry Keywords

Digital LendingPaylaterSecurities-Backed LendingFintechConsumer Protection

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Design and own the collection strategy across all leverage and loan products, from pre-due reminders and margin calls through early, late and recovery stages
Write and maintain collection policies and SOPs, including contact rules, escalation paths, restructuring and settlement criteria, forced-liquidation triggers and write-off thresholds
Segment the delinquent book by risk, balance, collateral cover and customer behaviour, and set a treatment path for each segment
Work with Trading Risk and Engineering to define margin-call thresholds, cure periods and liquidation rules
Monitor collateral shortfalls in real time during volatile markets and coordinate responses when many accounts breach at once
Own handling of residual debt after liquidation
Run day-to-day collection operations across in-app notifications, push, email, WhatsApp, SMS and calls
Build and test automated, data-driven contact strategies, including timing, channel mix and message content
Select, onboard and manage third-party collection agencies and legal partners, with clear SLAs, incentives and conduct audits
Own collection KPIs including roll rates, cure rates, DPD buckets, recovery rate, cost to collect and net credit loss
Report collection performance and loss forecasts to the Head of Trading Risk and senior leadership
Feed collection insight back into credit limits, margin rules and product design
Ensure collection activity follows OJK regulations, consumer protection rules and UU PDP data privacy law
Handle customer complaints and collection-related escalations fairly and quickly
Maintain complete audit trails for regulators, internal audit and external auditors
At Senior Manager level, hire, coach and lead collection specialists and analysts, set team targets and quality standards, and build a firm but respectful collection culture

Requirements

What you’ll need

8+ years in collection, credit risk or recovery, including 3+ years leading teams
Hands-on experience running collection for digital lending, paylater, margin financing or securities-backed lending in Indonesia
Track record of measurably improving roll rates, recovery rates or credit losses, with numbers you can walk us through
Strong working knowledge of OJK regulations on collection, lending and consumer protection, and of how they apply to securities firms and fintech lenders
Comfort with data: build and read dashboards, use SQL or Excel to segment portfolios, and run A/B tests on contact strategies
Experience managing third-party collection agencies and holding them to clear performance and conduct standards
Calm, structured decision-making under pressure, especially during sharp market moves
Fluent Bahasa Indonesia and professional working English
Bachelor's degree in finance, economics, business, statistics or a related field
Nice to have: experience at a brokerage, crypto exchange or investment platform offering margin or leverage
Nice to have: familiarity with collection platforms, dialers and decisioning engines, or experience building them with an engineering team
Nice to have: exposure to collection scoring or behavioural models built with data science teams
Nice to have: experience setting up a collection function from scratch or scaling one through fast portfolio growth
Nice to have: relevant certifications, such as the AFPI collection certification or risk management certifications (e.g. FRM)

Benefits

Comp & perks

Performance Bonus - Get rewarded for the impact you make
Private Insurance - Comprehensive health coverage for you
Paid Time Off - Take the time you need to recharge and come back stronger
Learning & Development - Company-sponsored training, courses, and professional certifications
Hybrid Work Arrangement - Enjoy the flexibility of working both remotely and from the office
Career Growth - Work closely with experienced leaders and take on meaningful ownership as we scale
Employee Perks - Enjoy exclusive discounts, partnerships, and lifestyle perks
Collaborative & High-Ownership Culture - Work with smart, driven people in cross-functional teams, take ownership, and make a meaningful impact for our users.