Retail Collections Head | Onsite

4 days ago


Makati City, National Capital Region, Philippines Private Advertiser Full time ₱1,200,000 - ₱1,500,000 per year

We are seeking a results-driven Retail Collections Head to lead and oversee the collections function for all retail loan products across the bank.

The role is responsible for developing and executing effective collection strategies to optimize loan recovery, minimize delinquency and non-performing loans (NPLs), and ensure compliance with regulatory requirements. The successful candidate will manage a team of collectors, agency partners, and vendors, while driving initiatives to enhance collection efficiency and preserve customer relationships.

Key Responsibilities

Collections Strategy & Execution

  • Design and implement end-to-end retail collections strategies (early-stage, mid-stage, and late-stage collections).
  • Monitor and manage the performance of the collections portfolio across all retail loan products: personal loans, credit cards, auto loans, housing loans, salary loans, etc.
  • Drive initiatives to reduce delinquency rates, NPLs, and charge-offs while optimizing recovery and rehabilitation.

Team & Vendor Management

  • Lead and manage in-house collections teams, skip tracing units, and external collection agencies.
  • Set performance targets, monitor KPIs, and ensure operational efficiency across the collections unit.
  • Train, coach, and motivate staff to achieve and exceed recovery goals.

Compliance, Governance & Reporting

  • Ensure adherence to central bank regulations, internal credit policies, and fair debt collection practices.
  • Collaborate with Legal and Compliance teams for cases involving litigation, repossession, or restructuring.
  • Prepare regular reports on collections performance, trends, and risk indicators for executive management and regulatory submissions.

Process Improvement & Risk Management

  • Drive process improvements, automation, and digitization of collection efforts (e.g., SMS/email reminders, auto-dialers, digital payments).
  • Analyze portfolio risk trends and propose corrective action plans for underperforming segments.
  • Coordinate with Credit Risk, Finance, and Operations teams to align collections strategies with the bank's overall credit risk appetite.

Required Qualifications

  • Bachelor's degree in Business Administration, Finance, Banking, or related field.
  • 8–10 years of experience in retail collections or credit risk management, with at least 3 years in a leadership role.
  • Strong knowledge of collections processes, credit lifecycle management, delinquency risk mitigation, and debt recovery tools.
  • Familiarity with regulatory frameworks governing consumer debt collection (e.g., BSP guidelines in the Philippines, or equivalent local regulations).
  • Strong analytical, leadership, and interpersonal skills.

Preferred Qualifications

  • Experience working in a thrift bank or mid-sized retail-focused bank is highly preferred.
  • Knowledge of loan restructuring, write-off recovery, and agency performance management.
  • Experience with collections-related technologies and tools (e.g., CRM systems, collection management platforms).
  • MBA or advanced certifications in Credit Management is a plus.

Key Competencies

  • Strategic Planning & Execution
  • Credit Risk & Portfolio Management
  • People Leadership & Team Development
  • Negotiation & Conflict Resolution
  • Regulatory & Compliance Awareness
  • Communication & Stakeholder Engagement
  • Data-Driven Decision Maki


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