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 solid 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 pr