Fintual
Fintual
51 – 200 Employees
B2CFinanceFintech
Fintual is a fintech and financial services company focused on making saving and investing easier for individuals. Its platform offers simple, regulated investment alternatives with low fees, reducing the paperwork and technical language that can make financial planning difficult. Fintual’s work centers on helping people manage their savings through a more accessible digital investment experience.

Collections Operations Engineer – AFP Project (Hybrid, Chile)

Lead AFP collections operations for a new Chilean pension administrator. Translate regulatory and debt-management processes into reliable software in close partnership with engineering.

Description

  • Oversee collections processes from launch, operating the systems directly
  • Review DNP records daily, investigate presumed arrears, generate DNPA records, and manage pre-judicial and judicial collections through SUCC
  • Regularize payments throughout the debt lifecycle
  • Prepare regulatory reports and supporting records
  • Serve as the internal collections subject-matter expert and contribute knowledge of the complete debt lifecycle
  • Document operational workflows, edge cases, and business rules for the engineering team
  • Partner with technology teams to design, validate, and test systems supporting AFP operations
  • Monitor regulatory changes, recommend improvements and automation, prioritize initiatives, and identify operational risks
  • Support the definition of functional tests and acceptance criteria
  • Participate in industry forums with SUCC, other AFPs, and PreviRed, and support operational interactions with the Superintendency of Pensions

Requirements

  • At least three years of hands-on experience in AFP collections operations in Chile
  • Practical knowledge of debt identification, including DNP control, presumed-arrears clarification, and DNPA generation
  • Practical knowledge of pre-judicial and judicial collections, including counterparties, employer notification channels, regulatory deadlines, adjustment calculations, interest and surcharges, and debt regularization
  • Daily experience using pension-management systems used by Chilean AFPs
  • Demonstrated ability to map and document complex processes with exceptional clarity, organization, and structure
  • Strong affinity for technology and willingness to work closely with software engineering teams
  • Experience with AFP.net by Sonda, PreviRed Collections Management Services, SUCC, or other core systems used in the pension industry is desirable
  • Current knowledge of Chilean regulations, including DL 3.500, Law 21.735, and the Superintendency of Pensions compendium and circulars, is desirable
  • Previous participation in data migration projects, new-module implementations, or operational-system improvements at an AFP is desirable
  • Familiarity with Agile methods such as Scrum or Kanban, or previous experience working on software development teams, is desirable

Benefits

  • A genuinely flexible hybrid work environment
  • Market-competitive compensation
  • The opportunity to join the founding team of an AFP being built with advanced technology from day one
  • A multidisciplinary workplace where operational expertise is valued as critical to the project's success
  • The opportunity to help redefine and simplify how AFPs operate in Chile

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