FlexiLoans - National Head - Recovery - Unsecured Loan Segment

National Head - Recovery - Unsecured Loan Segment

The role in a gist:

As FlexiLoans enters the next orbit of growth, we are looking for people with the passion and hunger to make a dent in the MSME ecosystem. In this role as the National Head - Recovery, you will lead the end-to-end recovery function across India, overseeing strategy, execution, agency management, legal coordination, and portfolio performance.

You will be responsible for driving recovery efficiency, reducing delinquency, and optimising recovery cost while ensuring compliance with regulatory and legal standards. This role requires strong leadership capability, deep portfolio understanding, and proven experience managing large-scale recovery operations across multiple regions. Sounds like you? Read more on what we are looking for in the role.

What you will work on:

- Lead and manage nationwide recovery operations across all delinquency buckets, including hard bucket and written-off accounts.

- Develop and execute national recovery strategies aligned with portfolio risk, geography, and customer segments.

- Monitor portfolio health through analytics, dashboards, and MIS to drive performance and decision-making.

- Oversee allocation strategies for agencies and in-house team and ensure optimal coverage and productivity.

- Drive agency performance through onboarding, training, governance, audits, and performance reviews.

- Ensure strict compliance with regulatory norms, legal guidelines, and ethical collection practices.

- Collaborate with Risk, Legal, Finance, and Operations teams to design recovery frameworks and resolution strategies.

- Identify portfolio stress areas and implement corrective recovery initiatives.

- Optimize recovery costs while maximizing resolution and settlement efficiency.

- Build scalable processes, automation frameworks, and technology-led recovery models.

The ideal candidate:

- Strong strategic and operational expertise in NPA and stressed asset management.

- Excellent leadership and stakeholder management abilities.

- Deep understanding of unsecured lending and recovery lifecycle.

- Proven experience managing large portfolios across multiple geographies in India.

- Extensive experience managing multiple agencies and legal recovery channels.

- Thorough knowledge of regulatory and legal frameworks governing collections and recoveries.

Qualification and Experience:

- 12 to 18+ years of experience in Collections/Recoveries/NPA management with Banks, NBFCs, or Fintechs.

- Must have handled large-scale NPA portfolios across multiple regions in India.

- Strong exposure to hard bucket recovery and legal recovery processes.

- Experience in building and scaling national recovery operations is highly preferred.

- Bachelor's/Master's degree in Finance, Business, or related discipline.