AVP - Debt Management

DPDzero; Bengaluru; On-site; INR 6,000,000 - 10,000,000; Full time

Job summary

DPDzero in Bengaluru is seeking a bold business leader to own the P&L for a portfolio of lender accounts and run them like a business. You’ll design strategies that maximise revenue and profitability, and shape the operating system powering next‑gen debt collections.

Lead the AI workforce spanning AI Voice, AI Chat, Digital, Human Advisors, and Field work, and elevate TeleCollections with smarter workflows, analytics, and data-backed decisions.

Qualifications

• 12 years across Collections, Portfolio Management, or Debt Management.
• Experience owning commercial outcomes, Revenue, Gross Profit, or a business unit P&L.
• Deep understanding of retail lending, consumer or vehicle finance, or unsecured portfolios.
• A track record of bucket-wise strategies that lift collections, productivity, and profitability.
• Command of portfolio analytics, unit economics, and business metrics.
• Experience leading large teams, building high-performance cultures, and influencing senior stakeholders.
• Genuine curiosity about technology and excitement about using AI to solve real business problems.

Responsibilities

• Own the business: Revenue, Gross Profit, and performance of your lender portfolio, and grow wallet share across accounts.
• Design winning strategies: turn borrower behaviour and portfolio trends into bucket-wise, lender-specific strategies.
• Build the AI workforce: define how AI Voice, AI Chat, Digital, Human Advisors, and Field work together.
• Lead high-performance TeleCollections: lift productivity, RPC, PTP, and quality through smarter workflows.
• Turn data into collections: surface opportunities from millions of interactions and make data-backed decisions.
• Shape the product: convert operational insight into product features defining the future of collections.

Skills

Collections leadership

P&L ownership

Retail lending knowledge

Portfolio analytics

Team leadership

Data-driven decision making

Job description

DPDzero is an AI-powered, full-stack collections platform transforming how banks and NBFCs manage loan delinquencies. Started in 2023, we’ve grown 20X in just 24 months—partnering with some of India’s largest lenders including RBL Bank, IndusInd Bank, Unity Small Finance Bank, Moneyview, Tata Capital, and more.

We’re not building a tool—we’re fixing one of the biggest and most ignored problems in banking: debt collections. With our AI agents, data science algorithms, and zero-ops platform, we’re rewriting how collections are done—faster, cheaper, and 10X more ethical than what’s existing today.

We don’t want to change the collections industry. We want to own it.

What this role is really about?

Forget everything you know about a traditional Collections management role. This isn’t about managing telecallers, reviewing dashboards, or chasing monthly targets.

This is a business leadership role as much as a collections one. You’ll own the P&L for your portfolio of lender accounts and run them like a business.

You’re not joining us to run collections alone. You’re joining us to build the operating system that will define how collections are done over the next decade.

Your Mission

Own the business. Own the Revenue, Gross Profit, and performance of your lender portfolio, and grow wallet share across accounts. Think like a business leader, not a collections manager.

Design winning strategies. Turn borrower behaviour and portfolio trends into bucket-wise, lender-specific strategies that consistently outperform benchmarks.

Build the AI workforce. Define how AI Voice, AI Chat, Digital, Human Advisors, and Field work together as one intelligent workforce, and where automation beats manual effort.

Lead high-performance TeleCollections. Lift productivity, RPC, PTP, and quality through smarter workflows, coaching, and automation, not more supervision.

Turn data into collections. Use analytics to surface opportunities hidden inside millions of interactions and make every decision data-backed.

Shape the product. Turn operational insight into product features that define the future of collections.

You'll love this role if:

• You get excited by questions like:
• Why do two borrowers with identical profiles respond completely differently?
• Should AI call this customer before a human does?
• Can one strategy improve collections across ten lenders simultaneously?
• Can technology eliminate 30% of manual effort?
• How do we build India’s smartest collections engine?

If those excite you more than yesterday’s dashboards.

What you bring

• 12 years across Collections, Portfolio Management, or Debt Management.
• Experience owning commercial outcomes, Revenue, Gross Profit, or a business unit P&L.
• Deep understanding of retail lending, consumer or vehicle finance, or unsecured portfolios.
• A track record of bucket-wise strategies that lift collections, productivity, and profitability.
• Command of portfolio analytics, unit economics, and business metrics.
• Experience leading large teams, building high-performance cultures, and influencing senior stakeholders.
• Genuine curiosity about technology and excitement about using AI to solve real business problems.

Why DPDzero

This isn’t another collections leadership role. You’ll work directly with founders, product leaders, and AI engineers to build the operating system powering the next generation of debt collections. Instead of managing yesterday’s processes, you’ll create tomorrow’s.

The next generation of collections leaders won’t be known for the size of the teams they manage, but for how well they combine strategy, technology, AI, data, and operations to solve one of banking’s hardest problems.