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Position: Head Collections Business: Spice Money Lending / Credit Business Experience: 8+ years of relevant experience, preferably in an NBFC, Fintech, or Embedded Finance business. Location: Noida Role Overview: We are looking for an experienced Head Collections to lead the collections function for Spice Moneys growing lending business, covering Embedded Financing / Adhikari Loans and MSME lending products. The role will be responsible for building and executing a scalable, technology-enabled and field-led collections strategy across the entire delinquency lifecycle. The candidate will manage in-house field collections, call centre operations and external collection agencies, while working closely with Credit, Risk, Business, Product and Technology teams. The ideal candidate should have hands-on experience in NBFC / Fintech collections, particularly in embedded finance, merchant/MSME lending, small-ticket business loans or similar customer segments. Key Responsibilities: 1. Collections Strategy & Portfolio Management: - Develop and execute the overall collections strategy across Embedded Financing and MSME lending portfolios. - Define bucket-wise collection strategies, contact strategies and customer segmentation. - Drive improvement in Collection Efficiency, Roll Rates, Resolution Rates and Portfolio Quality. 2. Field Collections: - Build and manage a strong field collection ecosystem across geographies. - Establish appropriate FOS productivity benchmarks, territory allocation and field collection processes. - Monitor field productivity, contractability, PTP conversion and PTP adherence. - Develop processes for skip tracing, residence/business visits, re-visits and resolution of difficult cases. - Ensure effective coordination between central collections and field teams. 3. Call Centre / Tele-Collections: - Manage the internal/external collections call centre operations. - Define calling strategies, dialler prioritisation, customer segmentation and follow-up mechanisms. - Improve connectivity, PTP conversion, PTP adherence and payment conversion. - Establish strong MIS and daily performance dashboards for call centre operations. 4. Collection Agency Management: - Identify, onboard and manage external collection agencies / vendors. - Establish agency-wise targets, SLAs, productivity benchmarks and incentive structures. - Monitor agency performance through regular scorecards and reviews. - Ensure compliance with RBI guidelines, customer protection norms and the company's code of conduct. - Build a strong agency network that can scale with portfolio growth. 5. Embedded Finance / Adhikari Collections: - Develop collection strategies suited to the embedded financing model, where customers are part of the Spice Money / Adhikari ecosystem. - Leverage transaction behaviour, digital engagement and business activity to develop early-warning and proactive collection interventions. - Work closely with Business and Risk teams to identify customers showing early signs of stress. - Balance collection effectiveness with customer and Adhikari relationship management. 6. MSME Collections: - Build differentiated collection approaches for small merchants and MSME borrowers. - Understand business cash-flow cycles and develop appropriate repayment engagement strategies. - Drive early intervention for customers showing declining business activity or repayment behaviour. 7. Data, Analytics & Technology: - Use portfolio and behavioural data to improve collection prioritisation and resource allocation. - Develop bucket-wise and segment-wise collection analytics. - Work with Product and Technology teams to automate collection workflows, allocation engines, reminders, payment links and dashboards. - Identify opportunities for AI / analytics-led collection prioritisation and propensity-based calling. Skills & Capabilities Required: - 6+ years of experience in Collections, preferably with an NBFC, Fintech, Digital Lending or Banking organisation. - Strong hands-on experience in field collections and tele-collections. - Experience managing collection agencies and third-party vendors. - Experience in managing MSME / merchant / small-ticket business loan collections. - Experience in managing a combination of in-house teams, call centres and outsourced collection agencies. - Preferred Experience: Candidates with experience in Embedded Finance, Payment companies / merchant ecosystems, MSME / Business Loans, Digital lending / fintech lending, Small-ticket unsecured or secured lending, NBFC collections will be strongly preferred. - Graduate in any discipline; MBA / PGDM preferred. - Law qualification (LLB) along with graduation would be an advantage, particularly for managing legal recovery, compliance and escalation matters.

Noida

Spice Money - Head - Collections 

Job Description for Spice Money - Head - Collections  in Spice Money  in  Noida for (8-10) years of experience. Apply Now!

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