Role Objective:

The Control & MIS Lead will be responsible for managing end-to-end MIS, controls, governance, and performance reporting for the Collections function. The role ensures data accuracy, operational discipline, regulatory compliance, and actionable insights to drive collection efficiency across all stages (early, mid, late, legal).

Key Responsibilities:

MIS & Reporting:

- Own daily, weekly, and monthly MIS for Collections (bucket-wise, product-wise, channel-wise).

Design and maintain dashboards covering:

- Delinquency trends

- Roll rates & flow rates

- Collection efficiency

- PTP performance

- Agency/vendor performance

- Ensure timely and accurate reporting to senior management and stakeholders.

Controls & Governance:

- Establish and monitor control frameworks for collections processes.

- Track adherence to collection policies, SOPs, and regulatory guidelines.

- Identify data gaps, process deviations, and control breaches; drive corrective actions.

- Support internal and external audits with data, analysis, and documentation.

Data Management & Quality:

- Act as single point of accountability for collections data integrity.

- Reconcile data between source systems (LMS, CRM, agency systems).

- Automate MIS processes to reduce manual errors and TAT.

- Ensure version control and documentation of MIS logic and definitions.

Performance Monitoring & Insights:

- Analyze trends in delinquency, recovery, bounce, and write-offs.

- Provide actionable insights to improve productivity of field, telecalling, and digital channels.

- Track incentive metrics and productivity KPIs for in-house and outsourced teams.

- Support strategy teams with data for pilot analysis and policy changes.

Stakeholder Management:

- Work closely with Collections, Risk, Finance, IT, and Compliance teams.

- Coordinate with external collection agencies for performance and data submissions.

- Present insights and dashboards to leadership forums.

Key Skills & Competencies:

Technical Skills:

- Strong proficiency in Excel / Google Sheets (advanced formulas, pivots).

- Experience with MIS automation tools (SQL, Power BI, Tableau, or similar).

- Understanding of LMS, Collections systems, and agency MIS.

- Data reconciliation and validation expertise.

Domain Knowledge:

- Strong understanding of Collections lifecycle (early, mid, late stage).

- Knowledge of DPD buckets, roll rates, vintage analysis, and recovery metrics.

- Familiarity with RBI / regulatory guidelines related to collections (preferred).

Behavioral & Leadership Skills:

- High attention to detail and ownership mindset.

- Ability to work under tight deadlines with accuracy.

- Strong communication and stakeholder management skills.

- Problem-solving and process improvement orientation.

Experience & Qualifications:

- 15-18 years of experience in Collections MIS, Controls, or Analytics.

- Prior experience in Bank / NBFC / Fintech / Collections agency preferred.

- Bachelor's degree

- Exposure to large-scale collections operations is a plus.