Head of Credit Collections

HEAD OF CREDIT COLLECTIONS

A leading financial institution in Metro Manila is seeking a Head of Credit Collections to spearhead the development and execution of comprehensive collections and recovery strategies across all lending products. This pivotal role offers you the opportunity to shape the organisations approach to credit collections, optimise portfolio performance, and ensure regulatory compliance while fostering a culture of customer-centricity and operational excellence. You will be empowered to drive meaningful change through data-driven decision-making, lead high-performing teams, and collaborate with cross-functional partners to deliver sustainable results. The organisation values flexibility, professional growth, and supportive leadership, making this an ideal environment for those who thrive in inclusive settings and are committed to continuous improvement.

. Take ownership of end-to-end collections lifecycle management, including early-stage collections, delinquency management, recoveries, restructuring, legal collections, and third-party agency oversight.
. Leverage advanced analytics and predictive modelling to enhance collection effectiveness, optimise customer resolution outcomes, and present strategic recommendations to senior management.
. Lead transformation initiatives within the collections function while nurturing team development, succession planning, and a culture of accountability and performance excellence.

What youll do:

As Head of Credit Collections in Metro Manilas premier financial sector organisation, you will play a central role in shaping the future of credit collections. Your day-to-day responsibilities will involve designing innovative strategies that span the entire collections lifecyclefrom early intervention through to legal recoveriesensuring every stage is managed efficiently. You will monitor key risk indicators to proactively address portfolio challenges while collaborating with risk management teams to refine policies. By leveraging technology-driven analytics tools and predictive models, youll optimise collection treatments for diverse customer segments. Your leadership will extend beyond operational youll mentor teams towards excellence while driving transformation projects that elevate both process efficiency and customer experience. Vendor management will be crucial as you build dependable partnerships with external agencies to maximise cost efficiency. Regulatory compliance will remain at the forefront of your agenda as you uphold ethical practices throughout all activities. Ultimately, your success will be measured by improved portfolio quality, enhanced recovery outcomes, and the cultivation of a collaborative team environment.

. Develop and implement comprehensive collections and recovery strategies tailored for consumer, retail, SME, and unsecured lending portfolios to maximise recoveries and minimise credit losses.
. Establish robust frameworks for managing accounts at various stagesearly-stage, mid-stage, late-stage, and charged-offto ensure effective treatment and resolution.
. Drive initiatives aimed at reducing delinquency rates, improving cure rates, and optimising overall recovery performance by continuously reviewing collection treatments based on portfolio behaviour and market conditions.
. Monitor portfolio quality using key risk metrics such as delinquency trends, roll rates, cure rates, recovery rates, and loss develop action plans to address emerging risks.
. Collaborate closely with Credit Risk teams to identify trends in account performance and recommend policy enhancements that support sustainable portfolio quality.
. Oversee all collections activities across internal call centres, field operations, digital channels, and outsourced ensure seamless execution of strategies through these diverse platforms.
. Lead recovery efforts for non-performing and charged-off accounts by overseeing restructuring programmes, settlements, rehabilitation initiatives, payment arrangements, and partnering with Legal teams on litigation or foreclosure actions when necessary.
. Ensure strict compliance with regulatory requirementsincluding BSP regulations, consumer protection laws, data privacy standardsand maintain strong governance controls across all collections activities.
. Develop comprehensive dashboards for collections performance utilise data analytics and customer segmentation to refine collection prepare detailed reports for senior management review.
. Manage relationships with external vendors such as collection agencies and law firms by establishing service-level agreements, conducting regular reviews, assessing performance scorecards, and optimising outsourcing strategies.

What you bring:

The ideal candidate for Head of Credit Collections brings a wealth of experience from the banking or financial services sector where they have successfully managed complex credit portfolios. Your expertise spans strategy development for diverse lending productsconsumer loans through SME financesupported by advanced analytical capabilities that drive informed decisions. You possess deep knowledge of regulatory frameworks governing credit collections in the Philippines (including BSP guidelines), ensuring every action aligns with industry standards. Your interpersonal strengths allow you to connect seamlessly with colleagues across departments while your leadership style nurtures team growth through mentorship and clear communication. Experience in vendor management is vital as you negotiate agreements that balance cost efficiency with recovery outcomes. You are adept at creating insightful reports for executive stakeholders using sophisticated dashboard tools. Process optimisation forms part of your toolkit as you champion continuous improvement initiatives within operations. Above all else, your commitment to ethical conduct ensures customers are treated fairly throughout their journey.

. Extensive experience in credit collections management within banking or financial services environments is essential for this role.
. Proven track record in developing end-to-end collections strategies across multiple lending products including consumer loans, retail finance, SME lending, and unsecured portfolios.
. Strong analytical skills with proficiency in utilising data analytics tools and predictive modelling techniques to inform decision-making processes.
. Deep understanding of regulatory requirements such as BSP regulations, consumer protection laws, data privacy ability to ensure compliance across all operational activities.
. Exceptional interpersonal skills enabling effective collaboration with cross-functional teams including Credit Risk Management and Legal departments.
. Demonstrated ability to lead large teams through transformation initiatives while fostering a culture of accountability and customer-centricity.
. Experience managing vendor relationships with external collection agencies or law expertise in establishing service-level agreements and conducting performance assessments.
. Ability to develop comprehensive reporting dashboards for senior management skilled in presenting complex portfolio analyses clearly.
. Background in process optimisation or continuous improvement methodologies within collections operations is highly desirable.
. Commitment to ethical practices in debt resolution coupled with sensitivity towards customer needs during challenging situations.

What sets this company apart:

This organisation stands out as one of Metro Manilas most respected financial institutions due to its unwavering commitment to operational excellence and customer fairness. Employees benefit from flexible working opportunities designed to support work-life balance alongside generous pension contributions that secure their future. The company invests heavily in training programmes so staff can continually expand their knowledge base while advancing their careers within a supportive leadership framework. Teamwork is celebrated hereevery member is encouraged to share ideas openly in an inclusive environment where growth leadership drives collective success. The focus on ethical practices ensures that both employees and customers feel valued at every touchpoint. With a reputation built on dependability and integrity within the local community as well as the broader financial sector network, this employer offers an exceptional platform for professionals seeking meaningful impact alongside personal development.

Whats next:

If you are ready to make a significant impact on credit collections strategy while advancing your career within a supportive environmentthis is your moment!

Apply today by clicking on the link provided.

Due to the high volume of applications we are experiencing, our team will only be in touch with you if your application is shortlisted.