Industry: Fintech / NBFC / Digital Lending / Consumer Finance
Job Summary
We are hiring an experienced Senior Collections Manager / Head – Collections to lead collections and recovery for a large unsecured digital lending portfolio.
The ideal candidate must have hands-on experience in Personal Loans, Digital Personal Loans, Instant Loans, Quick Loans, Short-Term Personal Loans or Payday Loans.
Experience handling a 100 Crore+ loan portfolio is mandatory.
Key Responsibilities
- Own end-to-end collections and recovery strategy.
- Manage collections across 0–30, 30–60, 60–90 and 90+ DPD.
- Drive NPA, hard-bucket and write-off recoveries.
- Manage large in-house teams and external collection agencies.
- Set agency/FOS targets, SLAs and incentive structures.
- Improve collection efficiency, RPC, PTP conversion and resolution rates.
- Reduce roll-forward and delinquency across buckets.
- Manage tele-calling, field collections, skip tracing and legal recovery.
- Develop data-driven and technology-enabled collection strategies.
- Monitor daily/weekly/monthly collections MIS.
- Work closely with Risk, Credit, Finance, Legal, Compliance, Operations and Technology teams.
- Ensure complete compliance with applicable RBI guidelines, Fair Practices Code and recovery-agent requirements.
- Establish strong controls against customer harassment, unauthorized contact and misuse of customer information.
- Build and scale the collections organization as the portfolio grows.
Mandatory Requirements
- 5+ years of collections experience; 10+ years preferred.
- Strong experience in unsecured/personal loan collections.
- Experience in Digital Lending / Fintech / NBFC / Consumer Finance preferred.
- Must have handled a 100 Cr+ loan portfolio.
- Experience managing large collection teams.
- Robust agency/vendor management experience.
- Strong experience in 90+ DPD, NPA and hard-bucket recovery.
- Strong understanding of RBI guidelines applicable to loan collections and digital lending.
- Strong knowledge of collection metrics including:
- Collection Efficiency
- RPC
- PTP
- Roll Rate
- DPD
- NPA
- Recovery Rate
- Agency Productivity
- Cost of Collection
- Excellent Excel/MIS and analytical skills.
- Excellent communication and negotiation skills.
- Hindi and English communication required.
- Delhi NCR candidates preferred.
Preferred Experience
Candidates with experience in
Personal Loans | Digital Personal Loans | Instant Loans | Quick Loans | Payday Loans | STPL | Small-Ticket Loans | Consumer Finance will be strongly preferred.
Experience with high-volume digital collections and portfolios of 100–500+ Crore will be an advantage.
Candidates From
Preferred backgrounds include
Digital Lending Fintechs | NBFCs | Banks | Consumer Finance Companies | Personal Loan Platforms | Short-Term Lending Companies
Candidate Information Required
Please mention the following in the CV/application:
- Total Collections Experience
- Digital/Personal Loan Experience
- Maximum Portfolio Handled – Cr
- Monthly Collection Volume
- Maximum Team Size Managed
- Number of Agencies Managed
- 90+ DPD Experience
- NPA/Write-off Recovery Experience
- Current CTC
- Expected CTC
- Notice Period
- Current Location
📌 Collection Head (Delhi)
🏢 Agile Ventures
📍 Delhi
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