Head - Collections - Retail Lending - FinTech

Strategic Goals

- Build the collection vertical and the organizational structure for 30 cities, going to 100 cities

- Identify agencies and sign up relevant ones across geographies

- Define goals and metrics for internal teams and teams at the agencies

- Manage the work flow and track their performance

- Generate customer insights from this process to feed it back into the product

- Work with product and credit teams to implement innovative solutions for collections

- Manage the cost of collections within agreed budgets

Skills-

- Have 10 to 15 years of experience working with a MNC financial institution or NBFC dealing in unsecured retail lending collections

- Has handled collections for unsecured loans (Personal Loan and Credit Cards) with an NBFC or a large retail bank

- The successful candidate should have managed various geographies PAN India and should have built the collection team from scratch primarily in the unsecured loans portfolio.

- Manage customer queries and complaints with an efficient redressal mechanism in place.

- Strong end to end collections experience in unsecured retail assets segment with understanding of credit appraisal cycle, underwriting, fraud management and operations.

- Identification, empanelling, training and retention of the desired agencies at regional/area levels.

- Act as a constant source of feedback to product and policy teams to aid in amending policies/products time to time to suit the market risk.

- Ensure that region / area is always Audit Ready and Complaint with internal and external policies and regulations in the area of management.