Job Purpose
To lead and manage a team of agents handling inbound/outbound calls and email communications, with a strong focus on driving
fast and successful online payments via digital channels (e.g., payment links, portals, e-wallets), while ensuring compliance and positive customer experience.
Key Responsibilities
- Team Leadership & Management
- Supervise and lead a team of collections agents focused on digital payment recovery.
- Coach agents on effective techniques to guide customers toward immediate online payment.
- Conduct regular performance reviews, daily huddles, and real-time support.
- Build a high-performance culture focused on speed of collection and digital adoption.
- Digital Collections Execution
- Drive collection activities through:
- Inbound/outbound calls
- Emails and digital communications
- Ensure agents actively promote and assist customers in using online payment methods (e.g., payment links, QR codes, payment portals).
- Maximize same-day / immediate payment conversion.
- Monitor follow-ups on unpaid invoices to accelerate cash flow.
- Performance Management
- Manage and track KPIs such as:
- Online payment conversion rate
- Same-day collection rate
- Promise-to-pay (PTP) vs actual payment
- Email response effectiveness
- Identify opportunities to improve digital payment success rates.
- Implement action plans to close performance gaps.
- Customer Engagement & Payment Facilitation
- Ensure agents clearly explain how to complete online payments step-by-step.
- Support handling of customer objections related to digital payments (e.g., trust, access, technical issues).
- Handle escalations and negotiate payment solutions when needed.
- Ensure a balance between firm collections approach and customer experience.
- Quality Assurance & Compliance
- Ensure all interactions comply with regulatory and company policies.
- Monitor calls and email communications to ensure:
- Clear instructions for online payment
- Professional tone
- Compliance with collection practices
- Provide feedback and targeted coaching.
- Process & Digital Optimization
- Identify gaps in digital payment processes (e.g., broken links, user experience issues).
- Work with internal teams (IT, Finance, Product) to improve:
- Payment link usability
- Customer journey for online payments
- Promote automation and digital tools to reduce manual follow-ups.
- Reporting & Insights
- Prepare reports on:
- Digital payment adoption
- Conversion rates
- Collection efficiency
- Analyze customer behavior to identify barriers to online payment.
- Recommend strategies to improve straight-through digital collections.
Skills & Competencies
- Strong leadership and coaching ability
- Excellent negotiation and influencing skills
- Strong focus on driving immediate online payments
- Good understanding of digital payment methods and customer behavior
- Analytical mindset with KPI-driven approach
- Ability to handle escalations and challenging conversations
- Familiarity with CRM systems, dialers, and payment platforms
Key KPIs
- Online payment conversion rate
- Same-day / immediate payment rate
- Collection recovery rate
- Agent productivity and utilization
- Quality and compliance scores