Job Opportunities API

We're looking for a Head of Collection (Operations) to lead the day-to-day engine of our Collections division, the people, the process, and the performance. This is a hands-on operational leadership role, not an analytics seat. You'll own the field and desk collection machine end-to-end: setting targets, managing manpower, enforcing SOPs, and making sure every agent, team leader, and manager is performing and compliant. If you've spent years in the trenches of collections — from agent to manager — and you're ready to build and run a high-performing collection organization inside a fast-moving fintech, this is your seat. About The Job: Team & Performance Management • Lead, control, and monitor all Collection division activities across desk and field operations • Set and cascade daily, weekly, and monthly targets to Managers, Team Leaders, and Agents • Drive achievement of overdue, default, and recovery targets across the consumer/invoice portfolio • Review and course-correct performance regularly — you live in the numbers, not just the reports Manpower & Org Building • Ensure the Collection division is always resourced — right headcount, right structure, right people • Develop and grow Team Leaders and Managers into future collection leaders • Build and evolve the national collection organization as Kredivo scales Policy, Process & Compliance • Own and evolve the Collection SOPs, strategies, and code of conduct • Ensure every collection activity complies with OJK regulations and internal policy — no exceptions • Ensure collection personnel hold required certifications (e.g., LSPPI) and are audit-ready at all times • Run Quality Assurance and fraud detection checks across the collection process Cross-Functional Coordination • Partner with Credit/Underwriting, Product & Tech, and Data teams to align collection strategy with portfolio risk and system capability • Coordinate with third-party collection agencies where applicable, ensuring they operate within Kredivo's standards • Represent Collections Operations in front of leadership — you'll report performance and issues directly to the SVP of Collections Reporting • Prepare and present monthly/quarterly collection performance reports to leadership • Flag risks and bottlenecks early — before they become portfolio problems About You: • 10+ years in Collections, with a clear track record progressing from agent/desk collector → team leader → manager → head of collection • Proven experience managing field and desk collection teams at scale (multi-city/national exposure a strong plus) • Deep working knowledge of collection regulations in Indonesia (OJK) and industry certifications (LSPPI or equivalent) • Strong operational discipline — you can build an SOP, enforce it, and still move fast • Experience managing collection agencies/vendors and negotiating recovery outcomes • Comfortable pulling and reading data yourself — working knowledge of SQL and internal collection tools/dashboards (dialer systems, collection CRMs, reporting tools) to track performance without waiting on an analyst • A leader who develops people, not just manages numbers • Comfortable operating in a high-growth, fast-changing fintech environment — process matters, but so does speed