Collection Strategy and Analytics Head

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 Team:

The team is responsible for designing, optimizing, and monitoring collection strategies across the entire delinquency lifecycle. This role leverages data analytics, segmentation, and performance monitoring to maximize recovery rates, minimize losses, and improve operational efficiency

Roles and Responsibilities

• Revamp and own end-to-end collection strategy across all stages
• Establish treatment strategies including optimizing all channels
• Ensure proper implementation of Collection strategy in the system
• Own collection performance metrics (flowrate, recovery rate, NPL rate, Collection efficiency)
• Continuously run experiment (A/B test) to optimize the result
• Align collection strategy with overall risk management framework

• 5+ years’ experience in Collection Strategy, Operation, Portfolio Risk of Lending product in financial industry
• 3+ years’ experience in leadership role
• Strong analytical and having capability of strategic thinking
• Proficient in SQL, data analytics, data visualization
• Ability to translate data into actionable strategy
• Strong stakeholder management

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.