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 th

📌 Product Manager (Bangalore Urban)
🏢 mPokket
📍 Bangalore Urban