About this role
What you will do
- Own the collection strategy and targets across all bill types (outstanding rental fee, Own Risk, ETLE), by aging bucket.
- Lead and coach the collection team (desk call, field/checkpoint, and repossession), set daily targets, scripts, and performance reviews.
- Design and run the escalation path from reminder to payment plan, unit hold, repossession, and legal action, with clear criteria for each step — including handling cases such as embezzled or missing units with police, legal counsel, and other institutions.
- Ensure every payment is recorded and reconciled in FMS, working with Finance to close gaps.
- Monitor and report collection KPIs recovery rate, DPD/aging, roll rate, promise-to-pay kept, collector productivity.
- Partner with Vehicle Ops and Driver Support on unit recovery, disputes, and driver retention cases.
- Improve collection SOPs and tools with Process Control, using data to find where drivers fall behind and why.
What you will need
- 5+ years of experience in collection or credit recovery, with at least 2 years leading a team — ideally in vehicle rental, multifinance, leasing, ride-hailing, or fintech lending.
- Hands-on experience with desk and field collection, unit repossession, and litigation — filing police reports, preparing evidence, and working with police, courts, lawyers, and leasing or insurance companies on legal cases.
- Strong command of collection metrics and target setting.
- Good data skills: advanced spreadsheets; experience with collection or billing systems is a plus.
- Understanding of payment reconciliation and working with finance on recorded balances.
- Firm but fair negotiation and communication skills with drivers, and the ability to motivate a frontline team.
- Fluent in Bahasa Indonesia; based in Jabodetabek and able to go to the field and pools when needed.
About GoTo Group
GoTo is the largest digital ecosystem in Indonesia. GoTo's mission is to 'empower progress' by offering technology infrastructure and solutions that help everyone to access and thrive in the digital economy.
The GoTo ecosystem provides a wide range of services, including mobility, delivery, payments, financial services, and technology solutions for merchants. The ecosystem also provides e-commerce services through Tokopedia and banking services through its partnership with Bank Jago.
About Gojek
Gojek is Southeast Asia’s leading on-demand platform and pioneer of the multi-service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.
About GoTo Financial
GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and GoPayLater and serve businesses of all sizes through Midtrans, Moka, GoBiz Plus, GoBiz, and Selly. With its trusted and inclusive ecosystem of products, GoTo Financial is open to new growth opportunities and aims to empower everyone to Make It Happen, Make It Together, Make It Last.
GoTo and its business units, including Gojek and GoToFinancial ("GoTo") only post job opportunities on our official channels on our respective company websites and on LinkedIn. GoTo is not liable for any job postings or job offers that did not originate from us. You should conduct your own due diligence to prevent being victims of any fake job scams, if they did not originate from GoTo's official recruitment channels.
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