Collections Manager – Digital Lending
(Rich experience in leading Tele-collection teams is mandatory)

Company: Vaibhav Vyapaar Limited (LoanFront)
Location: Bommanahalli, Bengaluru (Work from Office)
Department: Collections
Reporting To: COO

About the Company
Vaibhav Vyapaar Limited is an RBI-registered NBFC operating the LoanFront digital lending platform, providing unsecured personal loans to salaried and self-employed customers across India through a fully digital process. The company emphasizes technology-driven lending, regulatory compliance, and customer-centric collections.

Job Summary
We are looking for an experienced Collections Manager to lead end-to-end collections for our digital lending portfolio. The role involves managing delinquent accounts across various DPD buckets, improving recovery performance, leading tele-collections, managing collection agencies, ensuring RBI compliance, and using analytics to optimize collection strategies.
The ideal candidate should have robust experience in unsecured lending collections within NBFCs, fintechs, or digital lending companies.

Key Responsibilities

Portfolio Management
Manage collection performance across all delinquency buckets (1–180+ DPD).
Drive reduction in roll rates and delinquency.
Improve collection efficiency and recovery percentages.
Monitor bucket movement and portfolio health.
Achieve monthly recovery targets.

Strategy & Analytics
Develop bucket-wise collection strategies.
Analyze repayment trends and customer behavior.
Monitor:
Collection Efficiency
Roll Rate
Cure Rate
Resolution Rate
PTP Success
Broken Promise Rate
NPA Movement
Recommend strategy improvements based on data.

Team Management
Lead tele-calling collection teams.
Supervise Team Leaders and Collection Executives.
Set daily and monthly KPIs.
Conduct performance reviews.
Coach low-performing agents.

Agency Management
Manage third-party collection agencies.




Allocate portfolios.
Monitor agency productivity.
Conduct audits and scorecards.
Ensure SLA compliance.

Digital Collections
Increase digital repayment adoption through:
UPI
Payment links
BBPS
Auto-debit/eNACH
WhatsApp reminders
SMS campaigns
2. Work with Product and Technology teams to improve digital recovery journeys.

Compliance
Ensure strict adherence to:
RBI Digital Lending Guidelines
RBI Fair Practices Code
Internal Collection Policy
Customer Privacy Guidelines
2. Monitor call quality.
3. Ensure no harassment or unfair recovery practices.
4. Handle regulatory escalations and complaints.

Stakeholder Management
Collaborate closely with:
Risk
Credit
Product
Customer Support
Operations
Legal
Compliance

Reporting
Prepare and present:
Daily MIS
Recovery reports
DPD reports
Roll rate analysis
Productivity dashboards
Senior management reviews

Required Skills
Digital Lending Collections
Unsecured Loan Collections
Portfolio Management
Team Management
Negotiation Skills
Customer Resolution
Collection Analytics
CRM & Dialer Systems

Eligibility
Graduate in any discipline.
MBA preferred.
5–8 years of tele-collections experience.
At least 2–3 years in a managerial role.
Experience in:
Digital Lending
Fintech
NBFC
Personal Loans
Consumer Lending
Preferred Industry Experience
Digital Lending
FinTech
NBFC
Personal Loans
Instant Loans

Key Performance Indicators (KPIs)
Collection Efficiency (%)
Recovery Amount
Roll Rate
Cure Rate
Resolution Rate
PTP Kept %
Agency Productivity
Team Productivity
Cost per Recovery
Digital Payment Adoption
NPA Reduction
Complaint Ratio
Regulatory Compliance Score

Tools
Auto Dialer
Loan Management System (LMS)
Google Sheets
Payment Gateway Dashboards

Apply Now:
Job Application Link - https://www.clacify.com/s/applyjob-vvl (will be prioritize)
Email - [email protected]
Phone - +91 (phone hidden)

📌 Collections Manager - Digital Lending (Vasanthanagar)
🏢 Vaibhav Vyapaar
📍 Vasanthanagar