We are looking for an experienced Collection Lead to build, manage, and take full ownership of our end-to-end collections function in a digital lending environment. This is a strategic role — you will be responsible for designing the full collection lifecycle, from early delinquency to default, including automation, auto-debit optimization, customer communication, and performance tracking to deliver on key business KPIs.
Key Responsibilities
1. Collection Strategy
Design and implement collection strategies across all DPD buckets (DPD 1–90+).
Define escalation flows and transitions between buckets.
Optimize recovery rates while ensuring local regulatory compliance.
Monitor legal and financial constraints regarding interest rates, fees, and penalties.
2. Payment & Debit Strategy (including Auto-Debits)
Design, implement, and optimize the auto-debit (débito automático / recurrent payments) strategy for seamless loan repayment.
Define rules for auto-debit execution, including partial collections, retry logic, and fallback routines for failed transactions.




Define optimal payment collection timing based on local salary cycles (quincenal/mensual).
Optimize integration and success rates with local payment methods (PSE, bank transfers, Nequi, Daviplata, and cash points like Efecty/Gana).
Monitor and improve overall debit and repayment success rates.
3. Team Management
Manage and scale the collections team / call center operations.
Develop scripts, guidelines, and DPD-based workflows adapted to the local market.
Train agents and ensure quality control.
Define team structure (in-house vs outsourced collection agencies).
4. Automation & Digital Collections
Design and manage automated communication (SMS, WhatsApp, bots, robocalls).
Define triggers and customer journeys for digital collections.
Run A/B testing to improve communication channel performance.
5. KPI Management & Analytics
Define and track key metrics (recovery rate, roll rate, cure rate, PTP, contact rate, and auto-d

📌 Collection Lead (Medellín)
🏢 Space Crew FS
📍 Medellín