Collections Operations Lead

PayJoy; Taguig; On-site; PHP 600,000 - 900,000; Full time

Benefits offered by this job

Private health insurance

20 days vacation

Phone & home office equipment

Wellness perks

Co-working travel perk (USD 2,000)

Professional development perk (USD 2,0

Catered lunch

Job summary

PayJoy in the Philippines is seeking a Collections Supervisor to streamline and optimize our collections process, driving liquidity and portfolio health. You will lead an internal team and coordinate with external agencies to recover outstanding debts while ensuring compliance with local regulations.

You will design delinquency strategies for 1–15 day past due accounts, manage campaigns, and collaborate with Quality, Training, Product, CX, Engineering, Data, Legal, Marketing, and Finance to

Qualifications

• Bachelor's degree required in Business Administration, Finance, or related field.
• 2–4 years of experience in collections management, team leadership and customer services.
• Proficiency in collection management software and Google or MS Office Suite; SQL is a plus.
• Knowledge of credit reporting procedures and compliance standards.
• Strong analytical, organizational, and problem-solving abilities.
• Excellent communication and coaching capabilities, works well under pressure.

Responsibilities

• Design and execute early‑stage delinquency strategy for loans 1–15 days past due using digital channels.
• Manage operational processes for collections, including portfolio file handling with external agencies and campaign monitoring.
• Coach and conduct regular performance conversations, in collaboration with QA and Training teams.
• Act as main contact with cross‑functional teams to resolve issues and improve processes.
• Identify bottlenecks, document and implement workflow improvements and updated scripts.
• Ensure compliance with collection regulations and internal policies in daily operations.
• Coordinate with external agencies for accounts >16 days past due, including portfolio allocation and reporting.
• Monitor recovery rates, campaign profitability, and key collection metrics daily.
• Generate detailed analytical reports to support decision making and strategy adjustments.
• Design and run experiments to improve recovery rates and collection efficiency.
• Stay updated on regulations impacting collection practices to mitigate legal risk.

Skills

Collections management

Team leadership

Customer service

SQL

Excel

Data analysis

Communication

Coaching & feedback

Education

Bachelor's degree in Business Administration/Finance or related field

Tools

Collection software

Google Workspace

SQL (bonus)

Job description

PayJoy in the Philippines is seeking a Collections Supervisor to streamline and optimize our collections process, driving liquidity and portfolio health. You will lead an internal team and coordinate with external agencies to recover outstanding debts while ensuring compliance with local regulations.

You will design delinquency strategies for 1–15 day past due accounts, manage campaigns, and collaborate with Quality, Training, Product, CX, Engineering, Data, Legal, Marketing, and Finance to