Collections Operations Manager

Requirements

• achelor's degree in Business, Finance, Accounting, Economics, or a related field.
• 4+ years of experience related to collections, with front-line collection operation experience.
• Familiarity with the collections environment in the Southeast Asian market.
• Experience managing third-party collections agencies, including vendor oversight, performance reviews, and contract management.
• Knowledge of dialer systems and outbound contact technologies used in collections operations.
• Knowledge of local collections regulations, consumer protection laws, and compliance requirements in the Philippines.
• Knowledge of collections processes, credit risk management, and payment operations.
• Strong analytical and problem-solving skills.
• Excellent communication and stakeholder management skills.
• Ability to work effectively in a fast-paced and performance-driven environment.
• Proficiency in Excel / Google Sheets and data analysis tools.
• Strong structured and data-driven approach to decision-making.
• English Advanced and local language.
• Preferred Qualifications
• Experience with SQL or data querying tools is a plus.

Additional Information

About PayJoy PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy's point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy's credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth. This role The PH Collections Manager is responsible for monitoring, supervising, and maximizing the performance and recovery outcomes of the Philippines Collections Team. This role focuses on recovering delinquent accounts, optimizing collections strategies, and improving operational efficiency across internal teams and external partners. The Collections Manager will review collections strategy performance, design and implement improvements, and monitor key operational metrics such as contactability, promises made, promises kept, and negotiation outcomes. The role will also oversee collections agencies, digital channels, to ensure the best possible recovery performance and return on investment (ROI). Additionally, the PH Collections Manager will work closely with key internal stakeholders including Customer Experience (CX), Risk, Merchant Operations, Fraud, and Finance, and will support initiatives related to credit bureau reporting and default listing processes in the Philippines. PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. PayJoy Principles Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

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