Why this role exists
Collections is one of the highest-leverage parts of a lending business. A 100 bps reduction in roll rate at DPD30 is worth more than most growth experiments. The non-obvious things are still on the floor: tighter early-bucket nudges, smarter agent dispositions, settlement logic that doesn't leak margin, voice-bot strategies that actually move the needle, and the right thing to do when a 21-year-old borrower can't pay.

This PM owns that surface. We're not looking for someone to run the existing roadmap. We're looking for someone who'll find the next 20% of recovery — and the next playbook none of us have written yet.

What you'll own
You'll be accountable for outcomes, not feature ship dates. The big ones:

Recovery and roll rate across DPD buckets (DPD7 through DPD180+), particularly the early buckets where unit economics live or die.
Cost-to-collect — every rupee recovered should cost us less over time. You'll trade off automation, agent capacity, and channel mix.
Agent productivity and experience — the collections agents are your power users.



You'll sit with them, watch them work, and rebuild their tooling around what actually slows them down.
Borrower experience in distress — collections is where our brand is most fragile. The product you build has to recover money and leave borrowers willing to come back when their next paycheck lands. This is harder than it sounds.

You'll work cross-functionally with Risk, Data Science, Collections Ops, Engineering, Compliance, and Customer Support — none of whom report to you, all of whom you'll need to move.

What success looks like at 6 months
You have a written, defensible point of view on where the biggest recovery upside lives — backed by your own data work, not someone else's deck.
At least one experiment in market that meaningfully moved a roll-rate or recovery metric.
You've shadowed collections agents enough that you can describe their day in detail. You've fixed at least one thing they were qui

📌 Product Manager (India)
🏢 mPokket
📍 India