Purpose of the role

Own the end-to-end collections outcome across both product lines at 1.7 times current volume, while reducing cost to collect. Build a digitally-led, analytics-driven collections organisation in which automation and segmentation carry the majority of contact volume, human capacity is deployed only where it changes the outcome, and recovery conduct meets regulatory expectation without exception. The role is a build mandate as much as a run mandate. Four of the six sub-functions in the target structure collections strategy and analytics, hard bucket and legal recovery, collections operations and workforce management, and quality and training do not exist today and must be established from scratch.

Key responsibilities

Collections strategy and analytics
- Build a bucket-wise delinquency and roll-rate reporting framework. This does not exist today and is the prerequisite for every other decision in the function.
- Design segmentation and treatment strategy by product, vintage, sourcing channel, geography, ticket band and propensity to pay.




- Establish champion-challenger testing as standing practice on contact strategy, treatment sequence and allocation logic.
- Own the allocation model across digital, in-house tele and agency channels, and the economics that drive placement decisions.
- Build capacity and cost models that link headcount, automation coverage and collection efficiency to cost to collect.

Mandate and payment success management

This is the highest-leverage discipline in a fully digital book and should be treated as a first-class responsibility rather than a technology dependency.
- Own mandate registration success rate at onboarding and its remediation for failed or lapsed mandates.
- Own presentation and re-presentation strategy timing, sequencing, partial presentation and retry logic against merchant and borrower cash-flow patterns.
- Build return-code and bounce-reason analytics into the treatment engine so that an insufficient-f

📌 Collection Head (Mumbai)
🏢 LenDenClub
📍 Mumbai