Mediation & Negotiations Assistant Manager

FLIN; Jakarta Pusat; Vor Ort; IDR 300.000.000 - 500.000.000; Vollzeit

Zusammenfassung

FLIN in Jakarta is seeking a Mediation Specialist to lead end-to-end negotiations with digital lenders, P2P platforms, multi-finance companies, and banks for complex cases. You will develop settlement strategies based on borrower profile, exposure, and lender behavior, negotiating principal reductions, waivers, and structured timelines.

Ideal candidates have 4–6 years of experience in debt restructuring, strong relationships with Indonesian lenders, and a track record of negotiating substantial

Qualifikationen

• 4–6 years of experience in debt restructuring or loan settlements.
• Strong experience negotiating with P2P lenders, banks, and collection agencies in Indonesia.
• Active relationships within the Indonesian lending and collections ecosystem.

Aufgaben

• Lead end-to-end negotiations with lenders for complex or high-exposure cases.
• Develop negotiation strategies based on borrower profile and exposure.
• Negotiate principal reductions, interest waivers, and structured settlements.
• Manage settlements across current, overdue, and charged-off accounts.
• Review settlement strategies within assigned authority.
• Identify escalation cases and develop escalation strategies.
• Build lender relationships to facilitate negotiations and improve outcomes.

Jobbeschreibung

• Lead end-to-end negotiations with digital lenders, P2P platforms, multi-finance companies, and banks, particularly for complex or high-exposure cases.
• Develop negotiation strategies based on borrower profile, outstanding exposure, delinquency status, lender behavior, and settlement feasibility.
• Negotiate principal reductions, interest waivers, penalty eliminations, and structured settlement timelines.
• Maximize negotiated discounts while maintaining commercially viable settlement structures.
• Manage settlements across current, overdue, and charged-off accounts.
• Review and approve settlement strategies for complex cases within the assigned authority.
• Identify cases requiring escalation and develop appropriate escalation strategies.
• Ensure settlements are properly documented and aligned with applicable legal and compliance requirements.
• Analyze borrower cash flow, liabilities, repayment capacity, and overall debt exposure.
• Determine optimal settlement sequencing for borrowers with multiple lenders.
• Design phased settlement strategies to improve Dana Talangan eligibility.
• Evaluate the financial impact and feasibility of proposed settlement structures.
• Guide borrowers through settlement, restructuring, and refinancing trade-offs.
• Work closely with the underwriting and risk teams to ensure proposed settlements align with financing criteria.
• Develop and maintain strong working relationships with P2P lenders, multi-finance companies, banks, digital lending platforms, and collection agencies.
• Leverage lender relationships to facilitate negotiations and improve settlement outcomes.
• Build and maintain a database of lender-specific settlement practices, discount benchmarks, and negotiation patterns.
• Monitor changes in lender policies, collection practices, and settlement behavior.
• Develop strategies to improve average negotiated discount rates across lender categories.
• Identify opportunities to establish new lender relationships that can improve settlement efficiency.
• Handle escalations and sensitive negotiations with key lenders.

Core Responsibilities

• Lead end-to-end negotiations with digital lenders, P2P platforms, multi-finance companies, and banks, particularly for complex or high-exposure cases.
• Develop negotiation strategies based on borrower profile, outstanding exposure, delinquency status, lender behavior, and settlement feasibility.
• Negotiate principal reductions, interest waivers, penalty eliminations, and structured settlement timelines.
• Maximize negotiated discounts while maintaining commercially viable settlement structures.
• Manage settlements across current, overdue, and charged-off accounts.
• Review and approve settlement strategies for complex cases within the assigned authority.
• Identify cases requiring escalation and develop appropriate escalation strategies.
• Ensure settlements are properly documented and aligned with applicable legal and compliance requirements.
• Analyze borrower cash flow, liabilities, repayment capacity, and overall debt exposure.
• Determine optimal settlement sequencing for borrowers with multiple lenders.
• Design phased settlement strategies to improve Dana Talangan eligibility.
• Evaluate the financial impact and feasibility of proposed settlement structures.
• Guide borrowers through settlement, restructuring, and refinancing trade-offs.
• Work closely with the underwriting and risk teams to ensure proposed settlements align with financing criteria.
• Develop and maintain strong working relationships with P2P lenders, multi-finance companies, banks, digital lending platforms, and collection agencies.
• Leverage lender relationships to facilitate negotiations and improve settlement outcomes.
• Build and maintain a database of lender-specific settlement practices, discount benchmarks, and negotiation patterns.
• Monitor changes in lender policies, collection practices, and settlement behavior.
• Develop strategies to improve average negotiated discount rates across lender categories.
• Identify opportunities to establish new lender relationships that can improve settlement efficiency.
• Handle escalations and sensitive negotiations with key lenders.

1. Loan Mediation & Settlement Strategy

• Lead end-to-end negotiations with digital lenders, P2P platforms, multi-finance companies, and banks, particularly for complex or high-exposure cases.
• Develop negotiation strategies based on borrower profile, outstanding exposure, delinquency status, lender behavior, and settlement feasibility.
• Negotiate principal reductions, interest waivers, penalty eliminations, and structured settlement timelines.
• Maximize negotiated discounts while maintaining commercially viable settlement structures.
• Manage settlements across current, overdue, and charged-off accounts.
• Review and approve settlement strategies for complex cases within the assigned authority.
• Identify cases requiring escalation and develop appropriate escalation strategies.
• Ensure settlements are properly documented and aligned with applicable legal and compliance requirements.

2. Borrower Financial Structuring & Eligibility

• Analyze borrower cash flow, liabilities, repayment capacity, and overall debt exposure.
• Determine optimal settlement sequencing for borrowers with multiple lenders.
• Design phased settlement strategies to improve Dana Talangan eligibility.
• Evaluate the financial impact and feasibility of proposed settlement structures.
• Guide borrowers through settlement, restructuring, and refinancing trade-offs.
• Work closely with the underwriting and risk teams to ensure proposed settlements align with financing criteria.

3. Lender Relationship & Discount Optimization

• Develop and maintain strong working relationships with P2P lenders, multi-finance companies, banks, digital lending platforms, and collection agencies.
• Leverage lender relationships to facilitate negotiations and improve settlement outcomes.
• Build and maintain a database of lender-specific settlement practices, discount benchmarks, and negotiation patterns.
• Monitor changes in lender policies, collection practices, and settlement behavior.
• Develop strategies to improve average negotiated discount rates across lender categories.
• Identify opportunities to establish new lender relationships that can improve settlement efficiency.
• Handle escalations and sensitive negotiations with key lenders.

4. Mediation Team Guidance & Case Review

• Provide day-to-day guidance and support to mediation specialists handling complex borrower cases.
• Review negotiation approaches and settlement proposals where required.
• Coach team members on negotiation techniques, lender handling, and borrower communication.
• Identify recurring challenges in individual or team performance and recommend improvements.
• Help establish standardized negotiation approaches, escalation processes, and best practices.
• Support the manager in monitoring team performance against mediation KPIs.

5. Financial Literacy & Strategic Advisory

• Educate borrowers on unsecured lending structures, including interest accrual, penalties, and collection cycles.
• Explain lender recovery stages and realistic settlement timelines.
• Advise borrowers on prioritizing essential living expenses during financial distress.
• Inform borrowers of their legal rights and protections when interacting with debt collectors.
• Provide structured guidance on communication with lenders and collection agents.
• Clarify the potential effects of delinquency on credit bureau records and future financing.
• Support borrowers in transitioning toward responsible structured settlement and refinancing solutions.

6. Mediation Performance Analytics & Process Improvement

• Monitor mediation KPIs, including discount rates, settlement success rates, cycle times, conversion rates, and drop-off rates.
• Analyze lender-level performance and identify trends in settlement outcomes.
• Identify patterns in lender behavior and use them to improve negotiation strategies.
• Evaluate the effectiveness of different settlement approaches.
• Prepare regular performance reports and insights for management.
• Use Excel, CRM systems, and internal dashboards to monitor and optimize mediation performance.
• Identify process bottlenecks and recommend improvements to increase settlement efficiency and Dana Talangan conversion.

7. Cross-Functional Collaboration

• Collaborate closely with the Dana Talangan underwriting team, legal and compliance, customer success, risk analytics, and digital sales teams.
• Align settlement structures with underwriting and refinancing criteria.
• Provide mediation insights to underwriting and risk teams to improve case assessment.
• Coordinate the transition from successful mediation to financing.
• Communicate recurring lender and borrower trends to relevant stakeholders.
• Support management in developing and improving mediation policies, processes, and operating standards.

Candidate Profile

Experience (Mandatory)

• 4–6 years of experience in debt restructuring, loan settlements, collections strategy, consumer lending, or a related financial services environment.
• Strong experience negotiating with P2P lenders, multi-finance companies, digital lending institutions, banks, or collection agencies in Indonesia.
• Proven track record of negotiating substantial settlement discounts and successfully resolving complex debt cases.
• Strong understanding of the Indonesian unsecured lending and collections landscape.
• Experience handling high-value, complex, or multi-lender borrower cases.
• Established and active relationships within the Indonesian lending and collections ecosystem.
• Experience guiding, mentoring, or reviewing the work of junior team members is preferred.
• Candidates without active lender relationships will not be prioritized.