Collections Operations Manager

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.