Kissht - Assistant Vice President - Collections

- The AVP Collections is a pivotal senior leadership role responsible for shaping and executing the overall collection strategy for the digital personal loans portfolio at a national or large multi-zonal level.

- This role drives innovation in collection methodologies, optimizes portfolio performance, and ensures the highest standards of efficiency, compliance, and customer experience.

Key Responsibilities:

- Develop, refine, and implement the overarching national collection strategy and policies for digital personal loans.

- Oversee and provide strategic direction to Zonal Heads and their regional teams, ensuring consistent execution and target achievement.

- Analyze macro-level collection trends, portfolio health, and identify strategic opportunities for improvement and innovation.

- Drive the adoption of advanced analytics, machine learning, and digital tools to enhance collection effectiveness and efficiency.

- Manage relationships with key external partners, including collection agencies, legal counsel, and technology vendors.

- Ensure robust compliance frameworks are in place and adhered to across all collection operations.

- Lead critical projects related to collection process automation, system enhancements, and new product initiatives.

- Develop, mentor, and build a high-performing collection leadership team.

- Manage the national collection budget, ensuring optimal allocation of resources and cost efficiency.

- Act as a key liaison between the collections department and other senior stakeholders (e. , VP, Product Head, CEO).

- Present detailed performance reviews, strategic initiatives, and forecasts to the executive leadership.

Qualifications:.

- Master's degree (MBA strongly preferred) in Business Administration, Finance, or a related quantitative field.

- 12 to 18 years of extensive and progressive leadership experience in debt collection, with a significant portion in a strategic or head-of-function role within a digital fintech or a prominent NBFC specializing in personal loans.