Job Description

About Amartha

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. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.

About the Role

As Head of Collection Strategy at Amartha, you will lead the end-to-end strategy and execution of collections and recovery across our group lending and digital financing products. Your work will directly support our mission to empower micro-entrepreneurs, especially women in underserved areas, while ensuring portfolio quality and regulatory compliance. This role requires a strategic mindset, strong leadership, and the ability to balance recovery efforts with customer empathy and operational excellence.

What You Will Do

Strategic Leadership

• 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
• Set targets and KPIs for the collections team in alignment with company objectives

Operational Excellence

• Oversee all collections operations—early-stage, mid-stage, and late-stage
• Manage and evaluate tele-collection and third-party collection agencies
• Ensure timely and accurate execution of collection activities in line with SOPs and compliance standards
• Ensure all collection activities align with company policies, industry best practices, and regulations (OJK & AFPI)

Data & Analytics

• 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
• Use data insights to continuously refine and optimize collection strategies
• Generate regular reporting dashboards and present performance to executive leadership

Team & Stakeholder Management

• Drive productivity, motivation, and training & mentoring programs to enhance collection effectiveness
• Partner with other departments such as Lending Business, Risk, Data, Fraud Control Unit, Operations, and Product & Engineering to ensure a holistic approach to debt management and improve collection process & recovery

Requirements

• Bachelor's degree in Finance, Business Administration, Law, or a related field (Master’s degree is a plus)
• 8–15 years of experience in collection or accounts receivable management, with at least 3–5 years in a managerial or leadership role
• Preferred industry experience in Financial Services, Fintech / Digital Lending, Microfinance (especially Grameen / Group Loan), or Retail Banking / Consumer Credit
• Proven track record in managing large-scale collection teams and improving recovery performance
• Strong understanding of consumer credit, risk management, and regulatory frameworks (especially for unsecured or micro-financing)
• Familiarity with collection systems and analytics tools
• Excellent leadership, analytical, and problem-solving skills
• Excellent stakeholder management, communication, and negotiation skills
• Able to work under pressure and in a target-driven environment