Job DescriptionJob Description – AVP / VP Collections

NLocation: Mumbai

NExperience: 10+ Years

NAbout the Role

nWeare looking for an experienced Collections Leader to drive end-to-end retail loan collections strategy and execution. The individual will be responsible for managing large-scale collections operations, optimizing recovery performance, driving analytics-led decision-making, and managing agency networks across geographies. This role requires a strong blend of collections expertise, strategic thinking, stakeholder management, and data-driven problem-solving.

NKey Responsibilities

nCollections Strategy & Operations

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- Lead collections strategy across retail lending products such as Personal Loans and Credit Cards.
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- Drive portfolio performance across delinquency buckets and improve recovery rates.
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- Design and execute collection policies, treatment strategies, and recovery frameworks.
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- Monitor key collection metrics and implement corrective actions to improve portfolio health.
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nAgency & Vendor Management

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- Manage and governexternal collection agencies and recovery partners.
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- Establish performance benchmarks, productivity measures, and compliance standards for agencies.
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- Drive agency effectiveness through regular reviews, scorecards, and incentive frameworks.
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nAnalytics & Intelligence

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- Partner closely with analytics, risk, and product teams to develop data-driven collection strategies.
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- Leverage customer behavior insights and portfolio analytics to improve recoveries and reduce roll rates.
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- Build and monitor dashboards, collection funnels, and predictive recovery models.
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nTeam Leadership

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- Lead and mentor collections teams across multiple locations.
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- Drive a high-performance culture focused on customer outcomes, compliance, and operational excellence.
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- Collaborate with cross-functional stakeholders including Risk, Product, Operations, Legal, and Compliance.
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nGovernance & Compliance

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- Ensure adherence to regulatory guidelines, internal policies, and fair collection practices.
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- Maintain strong controls around customer communication and agency operations.
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nMust-Have Experience

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- 10+ years of experience in retail loan collections.
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- Strong experience managing collections for Personal Loans and/or Credit Cards.
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- Exposure to handling collections volumes exceeding 1 lakh+ cases per month.
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- Proven experience managing collection agencies and recovery partners.
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- Experience working on collections strategy, portfolio management, and recovery optimization.
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- Robust collaboration with analytics and data science teams to drive collection outcomes.
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nPreferred Background

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- Experience with leading banks or other large retail-focused banks/NBFCs.
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- Experience managing large-scale collections portfolios across multiple geographies.
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- Prior exposure to digital collections, dialer strategy, segmentation, and customer engagement programs.
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nEducation

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- B.Tech / MBA from a reputed institution.
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📌 Avp / Vp - Collections Strategy & Operations | Caas (Alibag)
🏢 MetaMorph
📍 Alibag