Head of Credit Operations & Collections: Build & Scale

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

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.