We are seeking a highly analytical, compliance-conscious, and data-driven Campaign

Manager (Digital Loan Collections) to own the strategy and execution of our digital debt recovery workflows. In this role, you will design automated, behavioural user journeys aimed at encouraging timely repayments and curing past-due accounts across SMS, WhatsApp messages, OBD Calls, RCS, Email and Push Notifications.

You will analyse borrower response metrics, run rigorous A/B tests on reminder copy,

optimize channel efficiency, and ensure the right message reaches the right customer segment at the optimal time to maximize recovery rates while maintaining regulatory standards.

Key Responsibilities

1.

Collections Journey

Building & Execution

- Design, build, and deploy automated digital collection journeys tailored to different stages of delinquency (e.g., pre-EMI alerts, Grace Period reminders, and early-to-mid stage buckets).
- Utilize advanced CRM and customer engagement platforms (such as WebEngage,

MoEngage, CleverTap, or custom collection tools) to trigger behavioural workflows based on energetic repayment data.

2.

Metrics

Analytics & Delinquency Tracking

- Track, analyze, and report on key digital collection metrics, including conversion/repayment rates, click-through rates (CTR) on payment links, and overall reduction in Roll Rates (accounts moving to later delinquency stages).
- Deep dive into performance data to isolate why specific borrower segments fail to respond and pivot digital strategies accordingly.
- A/B Testing & Efficiency Optimization
- Lead continuous A/B testing protocols across communication channels,





experimenting with different message hooks, tone (empathetic vs. firm), send times,

and dynamic payment links.

- Optimize campaign configurations to lower delivery costs and improve channel efficiency (e.g., routing users to lower-cost channels like Push or Email, before escalating to higher-cost channels like SMS, RCS or WhatsApp).

4.

Content

Strategy, Customer Response & Compliance

- Review, write, and optimize collection templates to ensure the content is clear,

authoritative yet empathetic, and effectively drives the user to the self-serve payment gateway.

- Ensure all campaign text, templates, and cadences strictly adhere to regulatory guidelines and fair collection practices (e.g., local regulatory bodies like RBI, TRAI or equivalent).

Required Skills and Qualifications

- Experience: 3–5 years of experience managing digital campaigns, ideally within

FinTech, NBFCs, Digital Lending, or Banking collections.

- Platform Expertise: Direct hands-on experience with user engagement and marketing automation platforms (e.g., MoEngage, CleverTap, WebEngage).
- Channel Mastery: Understanding of managing high-volume mobile channels:

WhatsApp Business API (specifically interactive message templates/buttons), SMS gateways, and Mobile Push.

- Data & Optimization Skills: Strong analytical mindset; comfortable using data to segment borrowers based on risk profiles or payment behavior.
- Regulatory Knowledge: Familiarity with compliance standards regarding the timing,

frequency, and tone of collections communication.

Key Responsibilities:

📌 Campaign Manager (Mumbai)
🏢 Kissht
📍 Mumbai