Job Openings Head of Overseas Post-Loan Operations

About the job Head of Overseas Post-Loan Operations

Head of Overseas Post-Loan Operations

(Japan / Vietnam / Indonesia)

Role Overview

A fast-growing financial services company is hiring a Head of Overseas Post-Loan Operations to take full ownership of post-loan management in one of its key overseas markets (Japan, Vietnam, or Indonesia).

This role acts as the country-level owner for post-loan operations, responsible for team build-out, operational performance, and regulatory compliance across collections, customer service, and outbound calling functions. The position supports multiple overseas expansion models, including acquisition, partnership, and greenfield setup.

Location

  • Japan – Tokyo

  • Vietnam – Ho Chi Minh City

  • Indonesia – Jakarta

Office location to be confirmed after local entity setup. On-site work and reasonable commuting are required.

Key Responsibilities

1. Team Building & Management

  • Build and optimize the post-loan organizational structure in the target country

  • Manage frontline teams including collections, customer service, and outbound calling, with collections as the core function

  • Oversee recruitment support, onboarding, training programs, performance management, and succession planning

  • Develop local and expatriate team leaders and mid-level managers, fostering effective cross-cultural collaboration

  • Typical team size: 50+ staff

2. Post-Loan Operations & Strategy

  • Own core post-loan KPIs and overall operational results

  • Design and continuously improve collection strategies, customer service workflows, and outbound calling processes based on local market dynamics

  • Drive the use of tools such as IVR, automation, and intelligent task allocation to improve efficiency and control costs

  • Leverage data analysis to optimize recovery performance and operational stability

3. Compliance & Risk Management

  • Maintain strong knowledge of local regulations related to financial services, labor law, and debt collection

    • Japan: strict compliance and consumer protection standards

    • Vietnam: evolving regulatory environment

    • Indonesia: licensing and industry compliance requirements

  • Establish and maintain a robust post-loan compliance framework

  • Ensure all post-loan activities meet regulatory and legal standards, minimizing compliance and reputational risks

4. Cross-Functional & External Coordination

  • Act as the primary point of contact with HQ functions including risk, finance, legal, and funding

  • Coordinate with local partners or acquired entities to ensure smooth operational integration

  • Address operational, organizational, and compliance challenges during market setup and scaling

5. Business Stage Adaptation

  • Adjust post-loan operating models based on market characteristics and business stage

  • Support the full overseas operation lifecycle: setup pilot scale-up

  • Ensure post-loan capabilities evolve in alignment with overall business strategy

Requirements

Education

  • Bachelors degree or above

  • Preferred fields: Finance, Business Administration, International Business, or related disciplines

Experience

  • 5+ years of experience in post-loan management, collections, or credit operations

  • 3+ years of experience managing large post-loan teams in overseas markets

  • Background in Fintech, consumer finance, or cross-border financial services preferred

  • Familiarity with structured, scalable post-loan operating models is a plus

Professional Skills

  • Strong understanding of post-loan workflows, collection strategies, and compliance requirements

  • Demonstrated capability in cost management, process optimization, and risk identification

  • Ability to operate effectively in regulated and evolving overseas markets

Leadership & Personal Attributes

  • Strong cross-cultural communication and stakeholder management skills

  • Results-oriented leadership style with hands-on problem-solving ability

  • High resilience and adaptability in fast-paced or early-stage market environments

Language

  • English required as a working language

  • Japanese / Vietnamese / Indonesian proficiency is a strong advantage

  • Candidates with fluent English and basic local language skills will be considered

Other

  • Willingness to work on-site (flexible arrangements may be considered for exceptional candidates)

  • Strong professional integrity with no adverse compliance or employment records

Compensation & Benefits

  • Competitive and negotiable total compensation package, aligned with local market standards

  • Package may include:

    • Base salary

    • Performance-based bonus

    • Overseas or relocation allowance

  • Standard benefits such as social insurance, paid annual leave, and health programs

  • Additional support for overseas roles (e.g., housing or transportation allowances), subject to location

Career Prospect

  • Country-level ownership of post-loan operations in a strategic overseas market

  • Opportunity to build post-loan systems and teams from 0 to 1

  • Clear progression path toward regional or global operations leadership roles


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