– AVP / VP Collections Location: Mumbai Experience: 10+ Years About the Role We are 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.

Key Responsibilities Collections Strategy & Operations - Lead collections strategy across retail lending products such as Personal Loans and Credit Cards.

- Drive portfolio performance across delinquency buckets and improve recovery rates.
- Design and execute collection policies, treatment strategies, and recovery frameworks.
- Monitor key collection metrics and implement corrective actions to improve portfolio health. Agency & Vendor Management - Manage and govern external collection agencies and recovery partners.
- Establish performance benchmarks, productivity measures, and compliance standards for agencies.
- Drive agency effectiveness through regular reviews, scorecards, and incentive frameworks. Analytics & Intelligence - Partner closely with analytics, risk, and product teams to develop data-driven collection strategies.
- Leverage customer behavior insights and portfolio analytics to improve recoveries and reduce roll rates.




- Build and monitor dashboards, collection funnels, and predictive recovery models. Team Leadership - Lead and mentor collections teams across multiple locations.
- Drive a high-performance culture focused on customer outcomes, compliance, and operational excellence.
- Collaborate with cross-functional stakeholders including Risk, Product, Operations, Legal, and Compliance. Governance & Compliance - Ensure adherence to regulatory guidelines, internal policies, and fair collection practices.
- Maintain strong controls around customer communication and agency operations. Must-Have Experience - 10+ years of experience in retail loan collections.
- Strong experience managing collections for Personal Loans and/or Credit Cards.
- Exposure to handling collections volumes exceeding 1 lakh+ cases per month.
- Proven experience managing collection agencies and recovery partners.
- Experience working on collections strategy, portfolio management, and recovery optimization.
- Solid collaboration with analytics and data science teams to drive collection outcomes.

Preferred

Background - Experience with leading banks or other large retail-focused banks/NBFCs.

- Experience managing large-scale collections portfolios across multiple geographies.
- Prior exposure to digital collections, dialer strategy, segmentation, and customer engagement programs.

Education - B.Tech / MBA from a reputed institution.

📌 Avp / Vp – Collections Strategy & Operations | Caas (India)
🏢 MetaMorph
📍 India