Key Responsibilities

Develop and manage collections strategies across early, mid, and late delinquency stages for secured and unsecured portfolios.

Analyze portfolio performance, customer behavior, roll rates, cure rates, recovery trends, and loss metrics to identify opportunities for improvement.

Design segmentation-based collection treatments using risk indicators, customer profiles, and repayment behavior.

Monitor and optimize collections performance through data-driven interventions and champion-challenger strategy testing.

Drive digital and analytics-led collections initiatives including predictive models, automated campaigns, and customer engagement strategies.

Collaborate with risk, business, operations, analytics, and technology teams for strategy implementation and policy enhancements.

Prepare periodic MIS, dashboards, portfolio reviews, and management presentations highlighting collections performance and key action items.

Ensure adherence to regulatory guidelines,



internal policies, audit requirements, and fair collection practices.

Evaluate agency and field collections performance and recommend optimization measures.

Support collections budgeting, forecasting, and target-setting exercises.

Desired Candidate Profile

Education

- Bachelor's degree in Finance, Commerce, Economics, Engineering, Statistics, or related discipline.
- MBA/PGDM preferred.

Experience

- 6-10 years of experience in Collections Strategy, Credit Risk, Portfolio Analytics, Collections Analytics, or Retail Asset Management.
- Solid understanding of lending products such as Personal Loans, Credit Cards, Commercial Vehicles, Auto Loans, Business Banking, or SME lending.
- Experience in collections policy formulation and portfolio performance management.

📌 Lead-Collections Strategy_Comm. Bank HO & Support _HRR (Mumbai)
🏢 Kotak
📍 Mumbai