Collection Head

Agile Ventures

Delhi

On-site

INR 5,500,000 - 8,500,000

Full time

9 days ago

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Job summary

Agile Ventures is seeking a Senior Collections Manager/Head of Collections to lead end-to-end collections for a large unsecured digital lending portfolio in Delhi NCR. The role requires hands-on experience with personal loans and high-volume recovery, including 100 Cr+ portfolios.

You will manage in-house teams and external agencies, ensuring RBI compliance and robust MIS. The ideal candidate will have 5+ years of collections experience (10+ preferred), strong analytics, and fluency in Hindi and

Qualifications

5+ years of collections experience; 10+ years preferred.
Strong experience in unsecured/personal loan collections.
Experience in Digital Lending / Fintech / NBFC / Consumer Finance preferred.
Must have handled a 100 Cr+ loan portfolio.
Experience managing large collection teams.
Strong agency/vendor management experience.
Strong experience in 90+ DPD, NPA and hard-bucket recovery.
Strong understanding of RBI guidelines applicable to loan collections and digital lending.
Strong knowledge of collection metrics including: Collection Efficiency, RPC, PTP, Roll Rate, DPD, NPA, Recovery Rate, Agency Productivity, Cost of Collection.
Excellent Excel/MIS and analytical skills.
Excellent communication and negotiation skills.
Hindi and English communication required.
Delhi NCR candidates preferred.

Responsibilities

Own end-to-end collections and recovery strategy.
Manage collections across 0-30, 30-60, 60-90 and 90+ DPD.
Drive NPA, hard-bucket and write-off recoveries.
Manage large in-house teams and external collection agencies.
Set agency/FOS targets, SLAs and incentive structures.
Improve collection efficiency, RPC, PTP conversion and resolution rates.
Reduce roll-forward and delinquency across buckets.
Manage tele-calling, field collections, skip tracing and legal recovery.
Develop data-driven and technology-enabled collection strategies.
Monitor daily/weekly/monthly collections MIS.
Work closely with Risk, Credit, Finance, Legal, Compliance, Operations and Technology teams.
Ensure complete compliance with RBI guidelines, Fair Practices Code and recovery-agent requirements.
Establish strong controls against customer harassment, unauthorized contact and misuse of customer information.
Build and scale the collections organization as the portfolio grows.
Strong knowledge of collection metrics including: Collection Efficiency, RPC, PTP, Roll Rate, DPD, NPA, Recovery Rate, Agency Productivity, Cost of Collection.

Skills

Personal Loans

Digital Personal Loans

Instant Loans

Quick Loans

Short-Term Personal Loans

Payday Loans

Large Portfolio Management

Agency Management

Vendor Management

RBI Guidelines Knowledge

Excel/MIS

Analytical Skills

Hindi-English Communication

Tools

Excel

Job description

Senior Collections Manager / Head Collections

Location: Delhi NCR
Experience: 5-15+ Years
Preferred: 10+ Years
Industry: Fintech / NBFC / Digital Lending / Consumer Finance

Job Summary

We are hiring an experienced Senior Collections Manager / Head - Collections to lead collections and recovery for a large unsecured digital lending portfolio.

The ideal candidate must have hands-on experience in Personal Loans, Digital Personal Loans, Instant Loans, Quick Loans, Short-Term Personal Loans or Payday Loans.

Experience handling a 100 Crore+ loan portfolio is mandatory.

Key Responsibilities

Own end-to-end collections and recovery strategy.
Manage collections across 0-30, 30-60, 60-90 and 90+ DPD.
Drive NPA, hard-bucket and write-off recoveries.
Manage large in-house teams and external collection agencies.
Set agency/FOS targets, SLAs and incentive structures.
Improve collection efficiency, RPC, PTP conversion and resolution rates.
Reduce roll-forward and delinquency across buckets.
Manage tele-calling, field collections, skip tracing and legal recovery.
Develop data-driven and technology-enabled collection strategies.
Monitor daily/weekly/monthly collections MIS.
Work closely with Risk, Credit, Finance, Legal, Compliance, Operations and Technology teams.
Ensure complete compliance with applicable RBI guidelines, Fair Practices Code and recovery-agent requirements.
Establish strong controls against customer harassment, unauthorized contact and misuse of customer information.
Build and scale the collections organization as the portfolio grows.
Strong knowledge of collection metrics including:
- Collection Efficiency
- RPC
- PTP
- Roll Rate
- DPD
- NPA
- Recovery Rate
- Agency Productivity
- Cost of Collection

Mandatory Requirements

5+ years of collections experience; 10+ years preferred.
Strong experience in unsecured/personal loan collections.
Experience in Digital Lending / Fintech / NBFC / Consumer Finance preferred.
Must have handled a 100 Cr+ loan portfolio.
Experience managing large collection teams.
Strong agency/vendor management experience.
Strong experience in 90+ DPD, NPA and hard-bucket recovery.
Strong understanding of RBI guidelines applicable to loan collections and digital lending.
Strong knowledge of collection metrics including:
- Collection Efficiency
- RPC
- PTP
- Roll Rate
- DPD
- NPA
- Recovery Rate
- Agency Productivity
- Cost of Collection
Excellent Excel/MIS and analytical skills.
Excellent communication and negotiation skills.
Hindi and English communication required.
Delhi NCR candidates preferred.