area collections manager bangalore -flows

Cred; Bengaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

prefr (operated by CreditVidya) is a digital-first lending platform in India, offering loans from ₹50,000 to ₹5 Lakh. We enable instant personal loans and flexible pay-later credit lines for first-time borrowers, backed by RBI-approved NBFC partnerships.

This role focuses on owning collections performance across Bengaluru, leading a 2–5 person team, coordinating with agencies, and ensuring RBI compliance. You’ll collaborate with ops, risk, legal, analytics, and agencies to improve recovery

Qualifications

• Strong understanding of the regional profile of customers in local districts and pin codes.
• Ability to identify and work with local collection agencies.
• Proficiency in the local language.
• Familiarity with code of conduct for collections and its importance.

Responsibilities

• Own collection performance for the assigned geography and bucket(s); monitor portfolio movement and drive recovery outcomes.
• Lead, coach, and develop a team of 2-5 direct reports; set expectations and review performance.
• Manage 3-6 collection agencies across the assigned geography; ensure capacity and drive productivity.
• Own resolution and recovery targets; analyze MIS and metrics to implement corrective actions.
• Ensure adherence to RBI guidelines, policies, and code of conduct; address gaps.
• Collaborate with operations, risk, legal, analytics, and agency teams to improve outcomes.

Skills

Bengaluru region knowledge

Agency management

Local language proficiency

Collections business understanding

Risk/compliance awareness

KYC/underwriting familiarity

Job description

prefr (operated by CreditVidya) is a digital-first lending platform that makes credit accessible to millions across India. with loan offerings ranging from ₹50,000 to ₹5 Lakh, we’re enabling instant personal loans and flexible pay-later credit lines, especially for first-time borrowers and underserved regions. backed by RBI-approved NBFC partnerships, we’ve built a platform that uses selfie-based KYC, minimal documentation, and AI-powered underwriting to disburse loans within minutes.

what will you do:

• own collection performance for the assigned geography and bucket(s); understand local portfolio characteristics, monitor portfolio movement, and execute collection strategies to drive resolution and recovery outcomes.
• lead, coach, and develop a team of 2-5 direct reports; set clear expectations, review productivity and performance, and drive the team towards collection targets.
• manage 3-6 collection agencies across the assigned geography; ensure adequate capacity, drive productivity and resolution outcomes, and maintain adherence to quality and compliance standards.
• own resolution and recovery targets for the assigned portfolio; analyse MIS and key collection metrics, identify performance gaps, and implement corrective actions to improve outcomes.
• ensure adherence to RBI guidelines, company policies, and the code of conduct for collections; proactively identify and address compliance or process gaps.
• work closely with operations, risk, legal, analytics, and agency management teams to resolve dependencies, improve collection outcomes, and ensure effective execution of collection strategies.

you should apply if you have/are:

• strong understanding of the relevant region/state profile of customers across local districts, including good and challenging pin codes from a risk perspective.
• knowledge of local agencies and demonstrated ability to drive and manage collection agencies.
• proficient in the local language.
• knowledge of the code of conduct for collections and ability to explain its importance.
• strong understanding of the collections business.
• familiar with key collections metrics such as resolution rates, flow rates, bounce rates, ROR for recoveries, and NC/skip ratio, with an understanding of how these metrics impact collection outcomes.