# Head of Field Recovery

**Company:** [Amartha](http://jobs.workable.com/companies/mWmGxgPks2XJybYCh8mEJG.md)
**Location:** South Jakarta, Indonesia
**Workplace:** on site
**Employment type:** Full-time
**Department:** HO - Lending

[Apply for this job](http://jobs.workable.com/view/034ec9e2-4ef3-44a3-aad7-4d41fc689537)

## 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