Job Title : Head - Collections Strategy (Micro Loans & Micro LAP)

Location : Mumbai (Corporate Office)

Reporting To : Business Head

About the Role :

We are looking for a seasoned Collections Strategy professional to lead and strengthen collections performance across the Micro Loan and Micro LAP businesses. This is a strategic leadership role focused on portfolio performance, delinquency management, collections effectiveness, and recovery optimization. The incumbent will work closely with Zonal and National Collections teams to drive collection strategies, improve portfolio quality, and ensure achievement of business objectives.

This is not a field collections role. The position is focused on collections strategy, analytics, governance, policy formulation, and stakeholder management at the corporate office level.

Key Responsibilities :

- Develop and implement collections and recovery strategies across Micro Loan and Micro LAP portfolios.

- Drive portfolio quality improvement through effective delinquency management and recovery frameworks.

- Monitor collection performance across regions and identify opportunities for process improvement.

- Work closely with Zonal and National Collection Managers to improve collection efficiency and productivity.

- Analyze portfolio trends, roll rates, bounce rates, vintage performance, and collection effectiveness.

- Design and implement initiatives to improve recoveries and reduce credit losses.

- Establish collection policies, controls, governance mechanisms, and performance tracking frameworks.

- Collaborate with Risk, Business, Operations, and Analytics teams to drive portfolio outcomes.

- Present portfolio performance, collection trends, and strategic recommendations to senior leadership.

- Drive automation, digitization, and process improvements within collections operations.

Desired Candidate Profile :

- 12+ years of experience in Collections, Recovery, or Collections Strategy.

- Strong experience in Microfinance, Micro Loans, Personal Loans, Credit Cards, Consumer Finance, or Unsecured Lending.

- Prior experience working at Corporate Office / Head Office level is highly preferred.

- Exposure to managing national or regional collections strategy programs.

- Strong understanding of delinquency management, roll rates, recovery frameworks, and portfolio analytics.

- Experience working with large collections teams through Zonal / Regional / National structures.

- Strong analytical, problem-solving, stakeholder management, and decision-making capabilities.

- Excellent communication and leadership skills.

Preferred Industry Background :

- Micro Finance Institutions (MFIs)

- NBFCs

- Consumer Finance Companies

- Personal Loan Businesses

- Credit Card Businesses

Additional Requirements :

- Strong initiative, ownership mindset, and attention to detail.

- Ability to operate effectively in a fast-paced, high-growth environment.