Director of Operations – Financial Collections

Socium - Teams Done Differently; Taguig; Hybrid; PHP 1,800,000 - 3,200,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Socium - Teams Done Differently is seeking an experienced Collections Director – B2B to lead corporate collections strategy and drive timely recoveries while balancing risk and client relationships. The role covers high-value accounts, cross-functional coordination, and regulatory compliance in a dynamic financial services setting.

The ideal candidate will oversee end-to-end collections operations, negotiate settlements, and build a high-performance team focused on sustainable cash flow and

Qualifications

• Experience leading B2B collections operations at corporate or commercial levels.
• Proven track record in debt recovery, risk management, and regulatory compliance.
• Strong negotiation and stakeholder management skills with senior clients.

Responsibilities

• Develop and implement the overall B2B collections strategy to maximize recovery and cash flow.
• Oversee end-to-end commercial collections for corporate accounts and SME portfolios.
• Lead negotiations with business customers on settlements and restructuring.
• Establish escalation procedures and coordinate with Legal, Finance, Credit, Sales, and Account Management.
• Ensure actions are compliant with laws, policies, and ethical collection practices.
• Provide strategic recommendations on portfolio risks and recovery initiatives.

Skills

Leadership

Collections strategy

Negotiation

Stakeholder mgmt

Data analysis

Education

Bachelor's degree in Business/Finance

Tools

CRM systems

Excel

Job description

Collections Director – Business-to-Business (B2B)

Industry: Financial Services / Credit Management / Business Services

Role Overview

We are looking for an experienced Collections Director – B2B to lead and drive the organization's business-to-business collections strategy, ensuring timely recovery of outstanding receivables, effective credit risk management, and sustainable cash flow performance.

The successful candidate will oversee end-to-end commercial collections operations, manage complex and high-value corporate accounts, strengthen collection processes, and build strong relationships with business clients and stakeholders. This role required a strategic leader who can balance aggressive recovery targets with sound risk management, regulatory compliance, and long-term client relationships.

Candidates with leadership experience in a collections agency handling corporate or commercial accounts, or in the commercial/corporate banking collections function of a local or international bank, are encouraged to apply.

Key Responsibilities

1. Collections Strategy and Performance

• Develop and implement the overall B2B collections strategy to maximize recovery rates, reduce overdue receivables, and improve cash flow.
• Establish collection targets, performance metrics, and operational standards aligned with business objectives.
• Monitor aging receivables, delinquency trends, collection effectiveness, and recovery performance.
• Identify opportunities to improve collection efficiency, minimize bad debt exposure, and strengthen portfolio quality.
• Lead the resolution of high-value, complex, and long-outstanding corporate accounts.

2. B2B Collections Operations

• Oversee end-to-end commercial collections activities, including early-stage delinquency management, overdue account resolution, escalations, and recovery of defaulted accounts.
• Manage collection strategies for corporate, SME, commercial, and institutional clients.
• Direct negotiations with business customers regarding payment commitments, settlements, restructuring arrangements, and repayment plans.
• Establish appropriate escalation procedures for disputed invoices, payment delays, broken promises to pay, and high-risk accounts.
• Coordinate with Legal, Finance, Credit, Sales, Account Management, and other relevant teams to resolve collection issues and accelerate payment recovery.
• Ensure collection actions are commercially sound, professionally managed, and aligned with established policies and applicable regulations.

3. Leadership and Team Management

• Lead, develop, and manage collections managers, team leaders, and collection professionals.
• Establish clear performance expectations, accountability measures, and productivity standards.
• Build a high-performance culture focused on recovery results, operational discipline, customer engagement, and continuous improvement.
• Provide coaching, performance management, and succession planning for key team members.
• Optimize team structure, resource allocation, and portfolio assignments to support collection objectives.

4. Portfolio Risk Management and Reporting

• Analyze portfolio performance, receivables aging, delinquency movement, recovery trends, and potential credit losses.
• Develop management reports, dashboards, and forecasts covering collections performance, recovery rates, and outstanding exposure.
• Identify accounts requiring enhanced monitoring, legal escalation, settlement, or other recovery strategies.
• Provide strategic recommendations to senior management on portfolio risks, collection priorities, and potential financial exposure.
• Support credit risk mitigation initiatives and recommend improvements to collection policies and procedures.

5. Process Improvement and Stakeholder Management

• Review and enhance collections policies, procedures, workflows, and operating controls.
• Drive automation, digitalization, and data-driven collection strategies to improve productivity and recovery outcomes.
• Establish service standards and performance measures for internal collections teams and, where applicable, third-party collection agencies.
• Manage relationships with corporate clients, external collection partners, legal counsel, and other stakeholders involved in the recovery process.
• Ensure compliance with applicable laws, regulations, contractual obligations, data privacy requirements, and ethical collection practices.

Qualifications and Requirements

• Bachelor's degree in Business Administration, Finance, Accounting, Banking, or a related discipline.
• Significant experience in collections, credit management, commercial banking, corporate banking, receivables management, or debt recovery.
• Proven leadership experience managing collections operations, teams, and portfolios involving B2B, corporate, commercial, or institutional accounts.
• Candidates should come from either:
• A collections agency with substantial exposure to corporate or commercial debt recovery; or
• A local or international bank with experience in corporate banking collections, commercial loan recovery, special assets, remedial management, or distressed credit portfolios.
• Strong understanding of B2B collection strategies, receivables aging, delinquency management, debt recovery, payment negotiations, and settlement arrangements.
• Demonstrated ability to manage high-value accounts, complex collection cases, and challenging negotiations with business customers.
• Strong analytical skills, with the ability to interpret portfolio data, identify collection trends, and develop effective recovery strategies.
• Experience in setting collection targets, monitoring KPIs, and presenting performance reports to senior management.
• Excellent leadership, communication, negotiation, and stakeholder management skills.
• Strong business judgment and the ability to balance recovery objectives, credit risk, and client relationships.
• Knowledge of applicable Philippine regulations and ethical debt collection practices; exposure to international banking or cross-border collections is an advantage.

Key Success Measures

The Collections Director will be assessed on the ability to deliver measurable improvements in:

• Collection and recovery rates.
• Reduction in overdue receivables and delinquency levels.
• Reduction in bad debt exposure and aging balances.
• Achievement of collection targets and cash flow objectives.
• Resolution of high-value and escalated accounts.
• Team productivity and overall operational efficiency.
• Effectiveness of collection processes, controls, and reporting.
• Compliance with applicable regulations and internal policies.

Ideal Candidate Profile

The ideal candidate is a commercially minded collections leader who combines strategic planning, hands-on recovery expertise, strong negotiation skills, and proven people leadership. They should be comfortable dealing with senior decision-makers in corporate accounts, managing complex debt recovery situations, and driving measurable collection results in a fast-paced business environment.

Relevant backgrounds

Relevant backgrounds: B2B Collections Agencies | Corporate and Commercial Banking | Commercial Loan Recovery | Special Assets and Remedial Management | Corporate Receivables and Debt Recovery.

Work Arrangement: Hybrid - 2x a week onsite - M-F