Senior Collections Manager

Collection Manager

Location: Bangalore

Reporting To: Lead/Senior Manager

Employment Type: Full-time

About Fincobox:

Fincobox is a digital-first liquidity platform built for UAE SMEs, offering forfaiting, invoice discounting, and structured receivables-based financing. We combine technology with hands-on credit expertise to help growing businesses manage cash flow, fund expansion, and seize opportunities when timing matters.

Our focus is exclusively on digitally native businesses where the majority of transactions are digital in nature. These include marketplace sellers, D2C brands, SaaS companies, online-first F&B brands, logistics-tech operators, and other platform-driven businesses with verifiable digital transaction trails.

We combine disciplined risk management with data-driven underwriting to scale responsibly.

Role Objective:

The Collections Manager is responsible for minimizing delinquency and credit losses across the SME lending portfolio while maintaining excellent customer relationships. The role will lead end-to-end collections from early-stage reminders through recoveries and legal escalation and develop data-driven strategies that optimize recovery rates without compromising customer experience or regulatory compliance. Work with the tech team to automate and implement the various aspects of collections.

Required Experience:

- 8-9 years of experience

- Bachelors degree in Finance, Commerce, Business Administration, Accounting or a related field.

Key Responsibilities:

1. Collections Strategy:

- Design and implement collections strategies for SME loan products.

- Develop bucket-wise strategies (1-30, 31-60, 61-90, 90+ DPD).

- Improve roll rates, cure rates, and recovery percentages.

- Reduce portfolio delinquency and credit losses.

2. Portfolio Management:

- Monitor and Analyze portfolio performance daily and delinquency trends.

- Recommend proactive interventions for high-risk accounts.

3. Customer Engagement and Operations:

- Lead customer negotiations for overdue accounts.

- Build early warning system.

- Structure repayment plans and settlements.

- Maintain strong customer relationships while enforcing payment discipline.

- Handle escalated customer disputes.

4. Agency & Legal Management:

- Manage and Monitor external collection agencies.