Head of Field Recovery

About the Company

At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We’ve supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2025, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments.

Responsibilities

• Develop and implement a comprehensive collections and recovery strategy aligned with company objectives
• Design and execute segmentation-based collection treatments based on collectability, demographic area, customer behavior, and product types
• Drive digital transformation and automation in collections and recovery processes
• Oversee all collections operations including early-stage, mid-stage, and late-stage
• Manage and evaluate tele-collection and third-party collection agencies
• Ensure all collection activities align with company policies, industry best practices, and regulations (OJK & AFPI)
• Collaborate with risk and analytics teams to build robust credit and collections scorecards
• Monitor portfolio performance metrics including delinquency rates, roll rates, cure rates, and recovery yield
• Partner with Lending Business, Risk, Data, Fraud Control Unit, Operations, and Product & Engineering departments

Requirements

• Bachelor's degree in Finance, Business Administration, Law, or a related field
• 8–15 years of experience in collection or accounts receivable management
• 3–5 years in a managerial or leadership role
• Experience in Financial Services, Fintech, Microfinance, or Retail Banking
• Proven track record in managing large-scale collection teams
• Strong understanding of consumer credit, risk management, and regulatory frameworks
• Familiarity with collection systems and analytics tools
• Excellent leadership, analytical, and stakeholder management skills