CCM-Coimbatore (Tamilnadu)

PHONEPE LIMITED; Coimbatore District; On-site; INR 1,400,000 - 2,200,000; Full time

Benefits offered by this job

Medical Insurance

Wellness Program

Parental Support

Mobility Benefits

Retirement Benefits

Other Benefits

Job summary

PhonePe Limited in India is seeking a Collections Team Lead to supervise a team of executives and collaborate with third-party agencies to hit recovery targets.

You will monitor KPIs, manage delinquency, and develop strategies to improve collections while ensuring SOP and regulatory compliance. Strong leadership and analytical skills are essential for sustaining performance in a fintech environment.

Qualifications

• Must be a graduate with at least 5 years of experience in collections and a minimum of 1–2 years in a team lead role.
• Experience in a bank, NBFC, or fintech is highly preferred.
• Strong ability to lead and motivate a team under pressure.
• Excellent decision-making and time-management skills.
• Proactive communication and stakeholder management.

Responsibilities

• Lead and manage a team of Collection Executives and coordinate with third-party recovery agencies.
• Drive collections KPIs and monitor portfolio performance.
• Own delinquency rates and recovery of overdue payments within the cluster.
• Develop and execute cluster-specific collections strategies and analyze portfolio health.
• Ensure adherence to SOPs and regulatory guidelines across processes.
• Prepare regular reports on portfolio performance, challenges, and actions.

Skills

Team Leadership

KPI Monitoring

Delinquency Mgmt

Strategy Execution

Compliance SOPs

Reporting Analysis

Communication

Results-Driven

Education

Graduate Degree

Job description

Headquartered in India, its flagship product, the PhonePe digital payments app, was launched in Aug 2016. As of April 2025, PhonePe has over 60 Crore (600 Million) registered users and a digital payments acceptance network spread across over 4 Crore (40+ million) merchants. PhonePe also processes over 33 Crore (330+ Million) transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore.

PhonePe’s portfolio of businesses includes the distribution of financial products (Insurance,Lending, and Wealth) as well as new consumer tech businesses (Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem) in India,which are aligned with the company’s vision to offer every Indian an equal opportunity toaccelerate their progress by unlocking the flow of money and access to services.

Job Description

Job Responsibilities

• Team Leadership and Management: Lead and manage a team of Collection Executives and collaborate with third-party recovery agencies. Provide close supervision, guidance, and support to ensure the team meets its targets.
• Performance Monitoring: Drive the collections process for your assigned cluster. Monitor and manage key performance indicators (KPIs) such as resolution rates and delinquency buckets to ensure superior client experience and operational efficiency.
• Delinquency Management: Take ownership of the portfolio's delinquency rates and recovery of overdue payments within the cluster. Implement strategies to control roll rates and minimize bucket-wise delinquencies.
• Strategy and Execution: Develop and execute collections strategies tailored to the specific nature of overdue accounts in your cluster. Analyze data and portfolio health to make informed decisions and improve collections effectiveness.
• Compliance and Process Adherence: Ensure strict adherence to collections processes and standard operating procedures (SOPs). Drive compliance with internal policies and regulatory guidelines.
• Reporting and Analysis: Conduct daily monitoring and regular reviews of the delinquent portfolio. Prepare and present reports on cluster performance, challenges, and proposed solutions.
• Leadership: Motivate and guide your team to achieve collections goals. Provide clear direction, regular feedback, and coaching to foster a high-performing team.
• Analytical Skills: Use data to drive decision-making and identify opportunities for process improvements. Analyze collection trends and performance metrics to optimize strategies.
• Communication: Communicate effectively with team members, senior management, and third-party agencies. Clearly articulate goals, expectations, and performance feedback.
• Results-Oriented: Demonstrate a strong drive to achieve and exceed collections targets. Focus on delivering both short-term results and long-term milestones.

Qualifications

• Must be a graduate with at least 5
• 5+ years of experience in collections, with a minimum of 1-2 years in a team lead or supervisory role.
• Prior experience in a bank, new-age NBFC, or Fintech company is highly preferred.
• Strong ability to lead and motivate a team.
• Excellent decision-making skills and the ability to work effectively under pressure.
• Proactive and effective communication skills.

Additional Information

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

• Insurance Benefits -Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance
• Wellness Program -Employee Assistance Program, Onsite Medical Center, Emergency Support System
• Parental Support -Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program
• Mobility Benefits -Relocation benefits, Transfer Support Policy, Travel Policy
• Retirement Benefits -Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment
• Other Benefits -Higher Education Assistance, Car Lease, Salary Advance Policy