Job highlights

- Preferred
- Qualifications & Experience
- 8 12+ years of experience in collections and recoveries,specifically in unsecured
- Proven experience building and scaling collections teams. Hands-on experience managing multiple collection agencies. Strong analytical,data-driven decision-making capability.
- Experience in fintech or digital-first NBFCs.

Job Title: Senior Manager Debt Collections Location: Ahmedabad, India

Reporting To: Management

Company Type: NBFC Lending Fintech

Product: Unsecured Short-Term Personal Loans

Role Summary The Senior Manager Debt Collections will own and scale the collections and recovery function for unsecured short-term personal loans. This role requires a strong understanding of high-velocity, high-frequency repayment cycles, data-led collections strategies, and technology-driven execution. The incumbent will build and lead the in-house collections team, manage external agencies, and ensure strict adherence to RBI and fair practices guidelines while delivering solid portfolio performance.

Key Responsibilities

Collections Strategy & Analytics

Own collections strategy across early, mid, and late buckets for short-tenure,

high-volume personal loans.

Design segmentation-based strategies using customer behavior, payment patterns,

and risk signals.

Track and improve KPIs including bounce rate, DPD movement, roll rates, cure rates,

recovery rates, and NPAs.

Develop MIS, dashboards, and insights for regular management review.

Run experiments on contact timing, channels, scripts, and settlement structures.

Team Building & Leadership

Build, manage, and scale an in-house collections team based in Ahmedabad.

Define productivity benchmarks, incentives, and quality standards.

Establish SOPs, call flows, escalation matrices, and training programs.

Drive a performance-oriented and compliant collections culture.





Technology & Process Enablement

Leverage collections tech, CRM, dialers, and digital channels (SMS, WhatsApp, IVR,

email).

Work with product and tech teams to automate collections journeys and reduce manual effort.

Utilize analytics and rule-based / ML-driven prioritization to improve efficiency and cost-to-collect.

Agency & Vendor Management

Onboard and manage third-party collection agencies for hard and late-stage buckets.

Set SLAs, scorecards, and compliance requirements; conduct regular audits.

Optimize agency allocation, placement cycles, and commercial terms.

Compliance & Governance

Ensure full compliance with RBI regulations, Fair Practices Code, and customer communication norms.

Monitor ethical collections practices across in-house and agency operations.

Coordinate with legal and compliance teams on escalations, disputes, and recovery actions.

Management Engagement

Present portfolio performance, risks, and improvement plans directly to management.

Act as a key contributor to credit and risk strategy discussions.

Key Success Metrics

Reduction in early delinquency and NPAs

Improvement in cure and recovery rates

Bounce rate reduction and faster DPD resolution

Cost-to-collect optimization

Agency performance and compliance scores

Qualifications & Experience

8 12+ years of experience in collections and recoveries, specifically in unsecured personal loans.

Strong exposure to short-tenure, high-volume lending products.

Proven experience building and scaling collections teams.

Hands-on experience managing multiple collection agencies.

Strong analytical, data-driven decision-making capability.

Deep understanding of RBI guidelines and fair collections practices.

Excellent leadership and stakeholder management skills.

Preferred

Experience in fintech or digital-first NBFCs.

Exposure to automated / analytics-driven collections models.

📌 Senior Manager - Collections (Ahmedabad)
🏢 Mantras2Success Consultants
📍 Ahmedabad