Role & responsibilities
Strategy & Collection Infrastructure Setup
Design, implement, and own the end-to-end collections lifecyclefrom pre-due reminders (Bucket 0) to early-stage resolution and late-stage write-offs/recoveries.
Define and optimize segment-specific recovery strategies tailored for short-tenure, high-velocity digital lending products.
Integrate and leverage digital collection tools (automated WhatsApp/SMS bots, IVRs, AI diallers, payment gateways, and digital settlement links) to maximize automated collections.
Team Leadership & Operations
Hire, mentor, and scale an in-house collections team and manage external agency networks (tele-calling and field recovery, if applicable).
Set performance targets, SLAs, daily call quality audits, and incentive structures for tele-callers and agency partners.
Compliance & Regulatory Standards
Ensure 100% adherence to all RBI guidelines regarding digital lending, fair practices codes, recovery agent conduct, and customer data privacy.
Establish robust audit frameworks, call-recording reviews,



and grievance redressal workflows to eliminate harsh recovery tactics and regulatory exposure.
Serve as the primary point of contact for internal audits and compliance reviews related to collections.

Required Qualifications & Skills
Experience: 8 to 12 years of hands-on experience in retail credit collections, with a heavy emphasis on digital lending, fintechs, or retail NBFCs.
Domain Expertise: Deep understanding of short-tenure, unsecured personal/payday loan collection dynamics and digital recovery channels.
Leadership: Proven track record of managing internal teams as well as third-party agency networks.
Regulatory Knowledge: Robust working knowledge of RBI guidelines on digital lending, outsourcing practices, and recovery mechanisms.
Mindset: An entrepreneurial, hands-on operator who can build systems from scratch and thrives in a quick-paced setting

📌 Head Collection & Recovery Noida
🏢 Finagle Financial Services
📍 Noida