Credit Operations & Collections Leader

Payreto; Makati; On-site; PHP 2,500,000 - 4,000,000; Full time

Job summary

Payreto in Makati is seeking a Head of Credit Operations & Collections to build and scale the end-to-end credit lifecycle, from assessment to recovery, leading risk governance and operational excellence.

You will drive onboarding, underwriting alignment, debt recovery, and regulatory compliance with BSP and the Data Privacy Act, while mentoring a growing team and partnering with cross-functional teams across Asia-Pacific.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or related field.
• 6–8 years of progressive experience in Credit Operations and Collections within a Bank, Fintech, Financing, or Multi-Finance company.
• Minimum 2–3 years of direct managerial experience leading collections agents and credit operations teams.
• Demonstrated track record of building, restructuring, or scaling collections operations and policy frameworks from the ground up.
• Strong exposure to consumer lending products (salary loans, personal loans, paylater, credit cards) in fast-paced or high-growth environments.
• Full professional fluency in both written and spoken English and Tagalog/Filipino to draft regulatory-compliant documentation, manage borrower negotiations, and direct local operations

Responsibilities

• Architect and deploy the end-to-end collections infrastructure from scratch, including policies and SOPs.
• Oversee credit operations workflows, document verification, and disbursement coordination with partners.
• Lead and coach a high-performing collections team with ethical codes of conduct.
• Monitor portfolio health metrics and build real-time dashboards for senior management.
• Collaborate with Risk, Legal, Customer Success, Finance, and Product to optimize the credit-to-collections lifecycle

Skills

Leadership

Strategic thinking

Regulatory knowledge

Education

Bachelor's degree in Finance/Business Administration

Job description

Payreto in Makati is seeking a Head of Credit Operations & Collections to build and scale the end-to-end credit lifecycle, from assessment to recovery, leading risk governance and operational excellence.

You will drive onboarding, underwriting alignment, debt recovery, and regulatory compliance with BSP and the Data Privacy Act, while mentoring a growing team and partnering with cross-functional teams across Asia-Pacific.