Deskripsi Pekerjaan
Are you ready to shape the future of global digital fintech? TikTok's Global Payment team is looking for an experienced and driven Credit Loan Collection Manager to oversee and optimize our credit collection strategies across the region. Based in our vibrant Kuala Lumpur office, you will play a pivotal role in managing risk, improving recovery rates, and ensuring healthy credit portfolio growth.
The Global Payment team of ByteDance provides robust payment solutions, including payment acquisitions, disbursements, and transaction monitoring, ensuring seamless financial operations for millions of users worldwide. As a Collection Manager, you will lead the regional debt collection strategy, collaborating closely with cross-functional partners in risk management, product, operations, and compliance to implement industry-leading collection policies.
We are looking for a fintech-savvy collection professional who thrives in fast-paced environments, possesses excellent analytical capabilities, and has a proven track record of managing collection agencies and developing optimized recovery frameworks.
Tanggung Jawab
- Design, implement, and optimize end-to-end credit loan collection strategies across various delinquency stages.
- Manage and evaluate external third-party collection agencies (3PAs) to ensure compliance, high performance, and alignment with company standards.
- Utilize data analytics to segment portfolios, build collection scorecards, and forecast recovery rates and NPL (Non-Performing Loan) trends.
- Collaborate with Product and Risk teams to develop and test automated collection tools, in-app reminders, and payment gateway solutions.
- Ensure all collection activities strictly adhere to local Malaysian laws, financial regulations, and ByteDance's internal compliance policies.
- Lead, mentor, and build a high-performing credit operations and collections team in the region.
- Provide regular performance reports and insights to senior leadership regarding credit health, collection efficiency, and agency performance.
Kualifikasi
- Bachelor’s degree in Finance, Business Administration, Economics, Risk Management, or a related discipline.
- At least 5-8 years of experience in credit collection, debt recovery, or risk management within the FinTech, digital banking, or consumer finance industry.
- Proven experience managing third-party collection agencies and executing agency audit frameworks.
- Strong proficiency in SQL, data analysis tools, and collection management systems (CMS).
- Deep understanding of Malaysian financial regulations, credit licensing, and fair debt collection practices.
- Excellent negotiation, communication, and stakeholder management skills in English (proficiency in Mandarin is a plus to coordinate with regional teams).
- Ability to thrive under pressure in a fast-paced, highly collaborative global tech environment.