Head of Credit Operations & Collections

FLIN Financing Corporation; Makati; Hybrid; PHP 1,800,000 - 2,400,000; Full time

Job summary

FLIN Financing Corporation seeks an experienced Head of Credit Operations & Collections in the Philippines to design and scale a new function from the ground up. You will lead policy design, process automation, and a high-performing team, ensuring compliant, customer-centric collections practices.

The role demands 6-8 years in credit operations/collections within banking or fintech, with strong BSP regulatory knowledge and a track record of building or restructuring collections engines.

Qualifications

• Bachelor's degree (Finance, Business, Economics) required; Master's or professional certification is a plus.
• 6-8 years of progressive experience in credit operations and/or collections in the Philippines.
• Proven track record building or restructuring a collections function including policy design and tech implementation.
• 2-3 years in a managerial or team-lead role overseeing collections or credit operations staff.
• Strong exposure to consumer lending products (salary loans, personal loans, paylater, credit cards).
• Deep familiarity with BSP regulations and ethical collections practices.
• Proficiency with collection systems, CRM platforms, and MS Excel/Sheets for reporting.
• Excellent verbal and written communication in English and Filipino (Tagalog).

Responsibilities

• Design and build end-to-end collections infrastructure, policies, SOPs, escalation frameworks, and third-party agency relationships in compliance with BSP and Data Privacy Act.
• Oversee day-to-day credit operations including application intake, credit assessment, document verification, and disbursement coordination with partners.
• Recruit, onboard, and manage collections agents with KPIs, ensure coaching, and foster a high-performance yet empathetic culture.
• Define and track KPIs (DPD buckets, collection rates, roll rates, recovery) and prepare reports for senior management; coordinate with Risk, Legal, Finance, Customer Success, and Product.

Skills

Leadership

Credit operations

Collections

Regulatory knowledge

Stakeholder management

Bilingual English/Filipino

Education

Bachelor's degree in Finance/Business

Master's or Certification in Credit/Risk

Tools

CRM platforms

MS Excel / Google Sheets

Job description

About the Role

We are looking for an experienced and execution-driven Head of Credit Operations & Collections with 6-8 years of experience in the Philippines to build, lead, and scale FLIN's credit and collections function from the ground up. This is a senior, foundational role - you will not be inheriting a running system. You will design it.

The ideal candidate comes from a bank, fintech, or financing/multi-finance company in the Philippines with direct experience building or significantly restructuring a collections operation. If you are a builder who thrives in a fast-paced, ambiguous environment and wants real ownership - this role is for you.

Key Responsibilities

• Collections Infrastructure Setup & Strategy - Design and build FLIN Philippines's end-to-end collections infrastructure from scratch, including policies, SOPs, escalation frameworks, bucket-wise strategies, collection tools, and third-party agency relationships, in full compliance with BSP regulations and the Data Privacy Act.
• Credit Operations Management - Oversee day-to-day credit operations including application intake, credit assessment, document verification, and disbursement coordination with banking and multifinance partners, while continuously improving turnaround times across the application-to-disbursement pipeline.
• Team Leadership & Development - Recruit, onboard, and manage a team of collections agents with clear KPIs, call quality standards, and regular coaching; build a high-performance, accountable culture that is firm on commitment but empathetic to borrowers in genuine hardship.
• Performance, Reporting & Stakeholder Management - Define and track key credit and collections KPIs (DPD buckets, collection rates, roll rates, recovery percentages); prepare performance reports for senior management and coordinate closely with Risk, Legal, Finance, Customer Success, and Product teams.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field; Master's degree or professional certification in Credit/Risk Management is an advantage
• 6-8 years of progressive experience in credit operations and/or collections within a bank, fintech, financing company, or multi-finance institution in the Philippines
• Demonstrated track record of building or significantly restructuring a collections function including policy design, team setup, and technology implementation
• Minimum 2-3 years in a managerial or team-lead role overseeing collections agents or credit operations staff
• Strong exposure to consumer lending: salary loans, personal loans, paylater, or credit cards
• Deep familiarity with BSP regulations, consumer protection norms, and ethical collections practices
• Proficient in collection systems, CRM platforms, and MS Excel or Google Sheets for reporting
• Excellent verbal and written communication in both Filipino (Tagalog) and English

Why Join Us

• Own and build a critical function in a high-growth fintech from day one - this is not a maintenance role
• Direct reporting line to the Country Lead with real influence over business strategy and portfolio growth
• Work on a genuinely impactful mission: helping over-leveraged Filipino employees regain financial stability
• Exposure to a regional fintech platform operating across Asia-Pacific with USD 400Mn+ group AUM
• Competitive compensation commensurate with experience, with a clear growth trajectory into senior leadership