Field Collection Department Head for Asset-Based Lending (Circle Lead)
Jakarta
Operations – Remedial /
Full-time - Permanent /
On-site
To lead and manage the Field Collection in Remedial team with a strategic and hands-on approach to recover non-performing loans (NPLs), especially those secured with assets. This role is responsible for setting and executing recovery strategies through field collection efforts, managing legal and asset execution processes, and ensuring compliance with internal policies and regulatory requirements.
Key Responsibilities
- Develop and implement field collection and recovery strategies for asset-based delinquent accounts.
- Set department KPIs in alignment with business goals and NPL recovery targets.
- Coordinate with Risk, Credit, and Legal teams to execute optimal asset recovery plans.
- Supervise and guide field collectors in managing and recovering secured loans.
- Monitor productivity and performance of field collection teams across regions.
- Ensure proper documentation, visit reports, and field data collection.
- Oversee valuation, repossession, and liquidation of collateral assets (e.g., vehicles, properties).
- Analyze trends in delinquency, collection efficiency, and recovery ratios.
- Provide regular reporting to top management and recommend course corrections when needed.
- Ensure all recovery activities are conducted in accordance with legal and regulatory guidelines (OJK/BI/AFPI).
- Build and maintain a high-performance remedial and field collection team.
- Provide coaching, training, and performance reviews to build collection competency.
Requirements
- Bachelor’s degree in Law, Finance, Business Administration, or related field. Master’s degree is a plus.
- Minimum 8–10 years of experience in credit recovery or remedial functions, with at least 3 years in a senior leadership role.
- Proven track record in handling secured loan portfolios (e.g., mortgage, vehicle financing, SME loans with collateral).
- Strong experience managing field collection operations and asset execution.
- Strong leadership and people management skills.
- Deep understanding of loan recovery lifecycle, especially for collateralized credit.
- Excellent negotiation and conflict resolution skills.
- Familiar with litigation, auction process, and asset seizure.
- Good analytical and decision-making abilities.
- Proficient in MS Office and collection systems/tools.
- Willingness to travel frequently for field oversight.
- Integrity-driven and resilient under pressure.
