Head of Credit Operations & Collections

FLIN; Philippines; On-site; PHP 5,000,000 - 8,000,000; Full time

Job summary

FLIN is seeking a senior Head of Credit Operations & Collections in the Philippines to build and scale our credit function from the ground up. You will design end-to-end collections, implement robust policies, and lead a high-performing team while ensuring regulatory compliance.

This is a foundational, growth-oriented leadership role in a fast-paced fintech. The ideal candidate has 6-8 years in credit operations or collections, experience with consumer lending, and strong proficiency in

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.

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.

Skills

Credit operations

Collections

Team leadership

Policy design

Technology implementation

CRM platforms

MS Excel/Google Sheets

Communication English/Tagalog

Regulatory familiarity (BSP)

Education

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

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.

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