Kissht - Zonal Head - Collections

The Zonal Head will hold ultimate responsibility for all collection activities and performance across a designated large geographical zone.

This role requires a visionary leader who can set strategic direction, optimize processes, and build robust collection capabilities to achieve zonal recovery goals.

We have openings in 7 locations: Karnataka, Gujarat, UP, Delhi, West Bengal, Rajasthan, and Punjab.

Key Responsibilities:

- Formulate and execute comprehensive collection strategies for the entire zone, aligned with national objectives.

- Lead, guide, and motivate a team of Regional Heads/State Heads and their underlying collection structures to deliver aggressive recovery targets.

- Monitor, analyze, and report on zonal collection performance, identifying key drivers and areas for strategic intervention.

- Ensure strict adherence to all legal, regulatory, and ethical standards across the zonal collection operations.

- Drive operational efficiencies through process improvements, technology adoption, and best practice sharing.

- Manage zonal budget, resource allocation, and cost-effectiveness of collection efforts.

- Identify, attract, and retain top collection talent within the zone.

- Foster a culture of high performance, accountability, and continuous improvement.

- Collaborate cross-functionally with Product, Tech, Risk, and Operations teams to enhance collection outcomes.

- Represent the collections function in strategic discussions and present zonal performance to top management.

Qualifications:

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

- 10 To 12 years of senior leadership experience in debt collection, with a significant tenure in managing multi-regional or zonal operations within a digital lending fintech or a large NBFC.

- Proven expertise in developing and executing large-scale collection strategies.

- Extensive knowledge of the digital lending landscape, credit risk, and collection technology.

- Exceptional leadership, strategic thinking, problem-solving, and communication skills.

- Strong understanding of data analytics and its application in collection optimization.

- Proficiency in data analysis tools (ex. Tableau, Power BI) and advanced MS Excel.