Collections Team Lead

GoTyme Bank; Quezon City; On-site; PHP 600,000 - 900,000; Full time

Job summary

GoTyme Bank seeks a proactive Collections Team Lead to guide a frontline group of collectors, driving delinquency recovery with a customer-centric approach. You will oversee end-to-end workflows, monitor KPIs, and collaborate with Credit Risk, Legal, and Operations while ensuring compliance with BSP regulations and fair debt practices for a positive customer experience.

The role requires strong coaching, data-driven decision making, and hands-on leadership to balance targets with regulatory

Qualifications

• Bachelor's degree in Finance or Management or equivalent professional background.
• Minimum 5 years in collections, credit recovery, or financial services operations.
• At least 2 years in a supervisory or team-lead role overseeing frontline collections.
• Experience with consumer lending, credit cards, digital banking, or fintech is preferred.
• Familiarity with collections tools and regulatory frameworks.

Responsibilities

• Lead a team of collections agents with coaching, calibrations, and performance conversations.
• Oversee end-to-end collections workflows across delinquency buckets and case documentation.
• Track KPIs, identify gaps, and implement corrective actions with regular reporting.
• Ensure compliance with regulations and fair debt collection policies; flag risks as needed.
• Coordinate with Credit Risk, Customer Experience, Legal, and Operations; interface with external agencies.

Skills

Team leadership

Performance tracking

Stakeholder coordination

Regulatory awareness

Coaching & development

Education

Bachelor's Degree in Finance or Management

Tools

Salesforce

Temenos

Loxon

Genesys

Job description

Job Description:

About GoTyme

GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme’s globally proven digital banking technology and hands‑on experience building South Africa’s leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.

At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.

About the role

The Collections Team Lead is responsible for leading a team of collections agents to effectively manage delinquent accounts and recover outstanding balances in a compliant, customer-centric manner. The role drives team performance through coaching, process oversight, and data-driven decision-making, balancing recovery targets with fair debt practices and a positive customer experience.

• Team Leadership & People Management — Supervise, coach, and develop a team of Collections Agents through regular one-on-ones, calibrations, and performance conversations.
• Collections Operations — Oversee end-to-end collections workflows across delinquency buckets, managing account assignments, queue prioritization, and case documentation.
• Performance Management — Track team and individual KPIs, identify performance gaps, and implement corrective action plans supported by regular reporting and analysis.
• Compliance & Risk — Ensure all collections activities adhere to applicable regulations and internal fair debt collection policies, flagging fraud risks and escalation cases as needed.
• Stakeholder Coordination — Liaise with Credit Risk, Customer Experience, Legal, and Operations teams, and coordinate with external agencies or legal counsel on escalated accounts.

Must Haves

• Bachelors Degree in Finance or Management
• Minimum 5 years of experience in collections, credit recovery, or financial services operations
• At least 2 years in a Supervisory or Team Lead capacity, managing a frontline collections team
• Experience working with consumer lending, credit cards, digital banking, or fintech products is preferred
• Familiarity with collections management systems and tools (e.g., Salesforce, Temenos, Loxon, Genesys or similar systems)
• Exposure to regulatory frameworks relevant to debt collection (e.g., BSP regulations, Data Privacy Act of 2012)