Job Title: Head – Portfolio Acquisitions & Collection Services

Experience: 10+ Years

Location: Mumbai

Function: Financial Services / Debt Acquisition and Resolution

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About the Company

Fatakpay is a technology-led platform for the distribution of financial products, making credit and everyday financial services accessible to Indian consumers. Through its digital platform, the Group offers a range of products spanning consumer credit, personal loans, insurance and other embedded financial solutions, delivered in partnership with leading banks, NBFCs and insurers. Backed by an RBI-registered NBFC, Fatakpay Group is now extending into alternative investments through Fatakpay Growth Ventures, a SEBI-registered Category II AIF.

About Fatakcollect

Fatakcollect is a new initiate within the Fatakpay group (www.fatakpay.com), focused on retail debt acquisition and resolution. The business runs on two tracks:

- Acquiring retail loan portfolios from banks, NBFCs and ARCs and collecting on them for our own account or in partnership with other FIs
- Providing collection services to other lenders on a fee / success basis, without deploying capital.

Role Overview

We are looking for a senior professional to build and drive both the ides of this business. On one side, you will source, evaluate and acquire retail loan portfolios - assessed on both valuation and collectability aspect. On the other, you will pitch to and win fee-based collection mandates from banks, NBFCs, and other lenders.

This is a hands-on,



front-ended role for someone who understands the retail loan purchase / sell-off process end to end and can independently take transactions and mandates from origination to closure.

Key Responsibilities

A. Portfolio Acquisition (Principal)

- Source retail loan portfolios available for sale from banks, NBFCs and ARCs — across DPD buckets, written-off pools and stressed assets.
- Evaluate portfolios from both a valuation and collectability standpoint — analysing vintage, bucket / DPD movement, historical resolution and roll rates, ticket size, geography, product mix and prior collection efforts.
- Build acquisition pricing and expected-recovery models; recommend bid levels and deal structures.
- Manage the full acquisition lifecycle — data room / due diligence, bidding, negotiation, documentation and closure — coordinating with credit, risk, finance, legal and collections.
- Structure transactions across direct purchase / assignment and ARC-led structures, as applicable.

B. Collection Service Mandates (Fee-based)

- Identify and pitch to banks, NBFCs and other lenders for third-party collection mandates on a fee / contingency basis.
- Structure commercials (fee %,



success-linked slabs, SLAs) and negotiate mandate terms.
- Build and grow a pipeline of mandate opportunities; convert relationships into recurring, capital-light revenue.
- Work with internal collections and ops teams to ensure mandates are deliverable and margins are protected.

C. Relationships, Market & Governance

- Build and maintain strong relationships across Banks, NBFCs, ARCs and other lenders.
- Track market pricing, buyer / seller appetite and fee benchmarks across retail asset classes.
- Ensure all acquisitions and mandates comply with applicable RBI and internal requirements.
- Support smooth portfolio handover, onboarding and post-deal / post-mandate monitoring.

Required Experience & Skills

- More than 10 years of experience in retail loan portfolio purchase / sale, distressed assets, collections or a related function.
- Direct, hands-on experience at an ARC, bank or NBFC on retail loan purchase / sell-off, with a explicit understanding of the end-to-end process.
- Proven ability to evaluate portfolios on valuation and collectability and to build recovery / pricing assumptions.
- Existing relationships across banks, NBFCs, ARCs and institutional lenders.
- Good grasp of retail asset classes - personal loans, consumer / BNPL, credit cards, business loans, LAP, home and vehicle loans.
- Strong commercial, negotiation and stakeholder-management skills; able to run transactions and mandates independently.
- Strong analytical and communication skills.

📌 Head - Portfolio Acquisitions & Collection Services (Mumbai)
🏢 Fatakpay
📍 Mumbai