Branch Overview:

- Branch is a leading AI-based lending fintech with 50M+ downloads across India and Africa.

- We use alternative data to reach millions of people that are largely excluded from the financial sector.

- Headquartered in Silicon Valley with operations in India, Nigeria and Kenya, Branch is a for-profit, socially conscious company built for scale and impact.

- Our mission-driven team-founded and led by the former CEO of Kiva org-now spans 400+ employees globally.

- We're backed by investors such as Andreessen Horowitz, Visa, and the IFC.

Job Summary:

- As a Team Lead - Collections at Branch International, you will own and drive end-to-end collections programs and campaigns across in-house and third-party collection partners.

- This is a B3-level role focused on strategic ownership, project execution, and stakeholder management, with direct accountability for improving delinquencies, optimizing cost-to-collect, and ensuring compliance at scale.

- You will manage complex collections initiatives-from campaign design and vendor strategy to execution tracking and post-launch optimization-while mentoring junior analysts and acting as a key thought partner to Product, Tech, Compliance, and Legal teams.

- This role requires a strong blend of data-driven problem solving, vendor leadership, and program management.

Responsibilities:

- End-to-End Collections Program & Campaign Ownership.

- Own design, execution, and optimization of multiple collections campaigns across delinquency buckets (early, mid, late, write-off).

- Translate business objectives into clear project plans, including scope, timelines, KPIs, risks, and success metrics.

- Drive pilot programs and scale successful initiatives across portfolios and geographies.

- Lead bucket-level strategy including allocation logic, payout structures, channel mix, and treatment optimization.

- Conduct post-campaign deep dives to assess impact on net flows, roll rates, delinquencies, and cost efficiency.

- Agency Strategy, Governance & Performance Leadership.

- Own the agency ecosystem strategy including onboarding, allocation, performance governance, and exits.

- Lead agency weekly performance reviews, performance calibrations, and payout discussions.

- Define and track clear success metrics for agencies including productivity, quality, compliance, and customer experience.

- Make data-backed recommendations on vendor selection, allocation optimization, and incentive redesign.

- Ensure agencies consistently adhere to Branch and govt. body compliance standards, scripts, and regulatory requirements.

- Data-Driven Decision Making & Advanced MIS.

- Define the north-star metrics for collections performance across buckets and channels.

Own advanced MIS dashboards covering:.

- Net flows & recovery curves.

- Roll rates & delinquency movement.

- Agency-level ROI & cost-to-collect.

- Campaign-wise performance vs control groups.

- Use data to proactively identify risks, inefficiencies, and opportunities for automation or process improvement.

- Partner with Analytics / Data teams to improve data availability, accuracy, and self-serve reporting.

Cross-Functional Stakeholder Management:

- Act as the collections SPOC for cross-functional projects with Product, Tech, Compliance, Legal, and Customer Support.

- Lead collections workstreams for new product launches, policy changes, or system enhancements.

- Influence roadmap prioritization by articulating collections impact, trade-offs, and operational feasibility.

- Manage escalations thoughtfully, balancing customer experience, risk, and recovery outcomes.

Process Excellence, Compliance & Quality Assurance:

- Own documentation and continuous improvement of collections SOPs, QA frameworks, and governance models.

- Design and monitor QA mechanisms to ensure script adherence and ethical collections practices.

- Identify gaps in processes or controls and lead remediation initiatives end-to-end.

- Stay updated on regulatory requirements and ensure readiness for audits and reviews.

Team Leadership & Capability Building:

- Mentor and guide junior analysts and campaign managers.

- Review analyses, challenge assumptions, and raise the overall bar on problem solving and execution quality.

- Foster a culture of ownership, accountability, and continuous improvement within the collections team.

Qualifications:

Must Have:

- 4-7 years of experience in collections, risk , or analytics (Fintech / NBFC / Lending preferred).

- Proven experience owning projects or programs end-to-end, not just reporting or execution.

- Strong understanding of collections metrics: roll rates, net flows, delinquency buckets, cost-to-collect, vendor ROI.

- Advanced Excel skills with the ability to independently analyze large datasets and present insights.

- Excellent stakeholder management and communication skills, including senior leadership interactions.

- Demonstrated ability to drive change, improve processes, and lead initiatives independently.

Good to Have:

- Experience managing multiple third-party collection agencies at scale.

- Exposure to SQL / dashboards / BI tools.

- Experience working in fast-paced, ambiguous environments or early-stage fintechs.

- Prior people management or mentoring experience.