Job Description – 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 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 practices. Maintain strong controls aro