CCM- Karnal (Haryana)

PhonePe Group; Haryana; On-site; INR 1,800,000 - 2,800,000; Full time

Benefits offered by this job

Medical Insurance

Wellness Program

Parental Benefits

Relocation Support

PF & Gratuity

Education Assistance

Car Lease

Salary Advance

Job summary

PhonePe Limited in India is seeking a results‑oriented Collection Team Lead to drive delinquency management and team performance within a fintech repayments ecosystem. You will lead a team of collection executives, collaborate with third‑party agencies, and implement strategies to improve recovery rates.

You will monitor KPIs, ensure SOP compliance, and report cluster performance to senior management. The role requires 5+ years in collections, with 1–2 years in a supervisory position, and a

Qualifications

• Graduate with 5+ years in collections.
• 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, 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.

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 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 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.

Skills

Leadership

Analytical Skills

Communication

Results‑Oriented

Education

Bachelor's degree

Job description

PhonePe Limited (Formerly PhonePe Private Limited) is a technology company that builds digital platforms for Payments, Digital Distribution Services and Financial Services. Headquartered in India, the PhonePe digital payments app was launched in 2016.

As of April 2026, PhonePe has over 70 Crore life‑till‑date registered users and a digital payments acceptance network spread across over 5 Crore merchants. PhonePe’s products and services include Consumer Payments (including Digital Distribution Services), Merchant Payments, Lending and Insurance Distribution services, and New Platforms, which comprise Share.Market (stock broking and mutual funds distribution platform), and Indus Appstore (Android‑based mobile app marketplace).

Culture

At PhonePe, we go the extra mile to make sure you can bring your best self to work, Everyday! And that starts with creating the right environment for you. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. PhonePe‑rs solve complex problems and execute quickly; often building frameworks from scratch. If you’re excited by the idea of building platforms that touch millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us!

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.

Functional Competencies

• 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