AVP Debt Management

T3cogno; Mumbai; On-site; INR 700,000 - 1,100,000; Full time

Job summary

T3cogno in Mumbai, India, seeks a business leader to redefine collections. You will own Revenue, Gross Profit, and portfolio performance, driving wallet share across accounts and acting as a true business unit head.

Design strategies from borrower trends, and build an AI-enabled operating model that integrates AI Voice, AI Chat, Digital tools, and human advisors to outperform benchmarks.

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. Own the 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 as one intelligent workforce.
• Lead high-performance TeleCollections. Lift productivity, RPC, PTP, and quality through smarter workflows and automation.
• Turn data into collections. Use analytics to surface opportunities and back decisions with data.
• Shape the product. Turn operational insight into features that define the future of collections.

Skills

Leadership experience

P&L ownership

Retail lending knowledge

Bucket-wise strategy

Portfolio analytics

Team building

AI in collections

Job description

WHAT THIS ROLE IS REALLY ABOUT

Forget everything you know about a traditional Collections management role. This isnt 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, you’ll probably love it here.

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.