Collections Strategy & Operations Lead

Payjoy; Pateros; On-site; PHP 900,000 - 1,300,000; Full time

Job summary

Payjoy is seeking a proactive Collections Operations professional in the Philippines to design and execute strategies for early-stage delinquency management. You will lead a cross-functional team, ensure regulatory compliance, and coordinate with external agencies to optimize recovery rates.

The role emphasizes process execution, data-driven decision making, and ongoing improvement of the collections workflow in a dynamic fintech environment.

Responsibilities

• Manage early-stage delinquency accounts with a 1–15 day overdue strategy via digital channels.
• Coordinate internal collections team to prevent delinquency and recover amounts.
• Execute manual operational processes: portfolio file prep, validation, and delivery.
• Trigger and monitor SMS and push campaigns through internal systems.
• Coordinate with Quality, Training, Product, CX, Engineering, Data, Legal, Marketing, and Finance.
• Ensure compliance with collection regulations and internal scripts.
• Supervise external agencies handling accounts >16 days past due.
• Monitor recovery performance via daily rates, profitability, and KPIs.
• Generate monthly recovery analyses and report results to stakeholders.
• Design recovery experiments to improve rates and document outcomes.
• Keep collection processes aligned with local regulations.

Job description

Payjoy is seeking a proactive Collections Operations professional in the Philippines to design and execute strategies for early-stage delinquency management. You will lead a cross-functional team, ensure regulatory compliance, and coordinate with external agencies to optimize recovery rates.

The role emphasizes process execution, data-driven decision making, and ongoing improvement of the collections workflow in a dynamic fintech environment.