Vice President - Collections Head - Unsecured Lending Portfolio - Microfinance/Unsecured Business Loans

Head - Collections Microfinance

Location: Kalina, Mumbai

Grade: VP

Reporting To: Chief Risk Officer (CRO)

About the Role The organization is looking for an experienced leader to head collections for the microfinance portfolio at a pan-India level. The role will focus on driving field collections efficiency, strengthening recovery frameworks, and managing portfolio quality across regions. This position requires strong experience in microfinance collections, particularly in managing large decentralized field teams and high-volume rural portfolios. Exposure to unsecured business loans will be an added advantage.

Key Responsibilities:

1. Lead end-to-end collections strategy for microfinance portfolios across India.

2. Drive field collections efficiency through strong control on center meetings, group collections, and recovery mechanisms.

3. Manage delinquency, PAR, roll rates, and NPA across microfinance portfolios.

4. Build and lead large, geographically distributed field collections teams

5. Strengthen on-ground recovery processes including late bucket and write-off recoveries

6. Drive agency and field force productivity, monitoring performance and coverage.

7. Implement structured collection frameworks across early, mid and recovery buckets.

8. Ensure adherence to regulatory guidelines and fair practices specific to microfinance.

9. Collaborate with Risk, Credit and Business teams to improve portfolio quality.

10. Leverage digital tools and field tracking mechanisms to enhance collections efficiency

11. Oversee unsecured business loan collections (limited scope) as part of the broader portfolio

Candidate Profile

1. 17-20 years of experience in collections with strong focus on microfinance

2. Mandatory experience in microfinance collections (JLG/group lending model)

3. Strong exposure to field collections and rural/semi-urban portfolios

4. Experience managing large decentralized teams across regions

5. Proven track record in delinquency control, recovery and NPA management

6. Exposure to unsecured business loans is preferred but not mandatory

7. Strong leadership, operational and stakeholder management skills