Job DescriptionJob Description – AVP / VP Collections
nLocation: Mumbai
nExperience: 10+ Years
nAbout the Role
nWe 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 robust 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.n
- Drive portfolio performance across delinquency buckets and improve recovery rates.n
- Design and execute collection policies, treatment strategies, and recovery frameworks.n
- Monitor key collection metrics and implement corrective actions to improve portfolio health.n
nAgency & Vendor Management
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- Manage and govern external collection agencies and recovery partners.n
- Establish performance benchmarks, productivity measures, and compliance standards for agencies.n
- Drive agency effectiveness through regular reviews, scorecards, and incentive frameworks.n
nAnalytics & Intelligence
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- Partner closely with analytics, risk, and product teams to develop data-driven collection strategies.n
- Leverage customer behavior insights and portfolio analytics to improve recoveries and reduce roll rates.n
- Build and monitor dashboards, collection funnels, and predictive recovery models.n
nTeam Leadership
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- Lead and mentor collections teams across multiple locations.n
- Drive a high-performance culture focused on customer outcomes, compliance, and operational excellence.n
- Collaborate with cross-functional stakeholders including Risk, Product, Operations, Legal, and Compliance.n