Head - Collections - Unsecured Loan - NBFC

Globtech Advisors; Delhi; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Globtech Advisors is hiring a Head of Collections in Delhi NCR to lead end-to-end collections strategy for all products and segments. You will build a high-performance team, manage in-house and outsourced operations, and collaborate with tech to integrate collections within LMS.

Ideal candidates will have 12-18 years in collections across NBFCs/banks/fintechs, with strong regulatory knowledge and leadership capabilities to drive ethical recovery and performance dashboards.

Qualifications

• 12-18 years of experience in collections/recovery in NBFCs, banks, or fintechs.
• Exposure across secured and unsecured portfolios (PL/consumer/SME).
• Strong knowledge of regulatory guidelines (SARFAESI, RBI).

Responsibilities

• Develop and implement end-to-end collections strategy for all products and segments.
• Build and lead in-house collections team and manage outsourced partners.
• Empanel and manage collection agencies, legal partners, and field vendors.
• Ensure compliance with RBI Fair Practices Code and loss forecasting collaboration with CRO.
• Create KPIs, dashboards, and MIS for portfolio monitoring and recovery efficiency.

Skills

Collections management

Strategic planning

Leadership

Stakeholder management

Regulatory knowledge

Education

Graduate / Postgraduate in Business or Finance

MBA preferred

Tools

CRM tools

LMS integration

Data dashboards

Job description

About the Role:

We are hiring a Head of Collections for one of the largest corporate houses and a leading NBFC.

Work Location: Delhi NCR

Key Responsibilities:

1. Strategy & Framework Design:
   • Develop and implement the end-to-end collections strategy for all products and customer segments (PL, SME, etc.).
   • Establish early, mid, and late-stage bucket strategies - digital, call center, and field-based recovery.
   • Design policies, SOPs, and control frameworks in alignment with regulatory and RBI guidelines.
   • Create KPIs and dashboards for collection performance tracking, portfolio trends, and recovery efficiencies.
2. Operations Setup & Execution:
   • Build and lead an in-house collections team (tele-calling, field operations, skip tracing) and manage outsourced agency partners.
   • Implement digital tools for automation - dialers, collection CRM, digital reminders, payment links, and NACH/UPI-based auto-recovery mechanisms.
   • Ensure efficient allocation, follow-up, and reconciliation of delinquent accounts.
   • Collaborate with tech and product teams to co-design the collections module within the Loan Management System (LMS).
3. Partner & Vendor Management:
   • Empanel and manage collection agencies, legal partners, repossession agents, and field force vendors.
   • Establish clear performance metrics, SLAs, and incentive mechanisms for agencies.
   • Ensure vendor compliance with company standards and fair practices code.
4. Risk, Compliance & Customer Sensitivity:
   • Ensure collections practices comply with RBI Fair Practices Code, DPD frameworks, and DLG guidelines.
   • Drive ethical and customer-centric collection approaches, focusing on dignity and transparency.
   • Collaborate with the Chief Risk Officer (CRO) to design loss forecasting, recovery rate modeling, and write-off policies.
5. Analytics & Portfolio Monitoring:
   • Leverage data and analytics to identify early warning signals (EWS), segmentation strategies, and behavioral scoring.
   • Develop predictive collection models in collaboration with data science and credit teams.
   • Generate MIS and dashboards for management and board-level reviews.

Key Requirements:

Experience:

• 12-18 years of experience in collections / recovery management in NBFCs, banks, or fintechs.
• Proven experience in setting up or scaling collections operations from inception or early stage.
• Exposure across both secured and unsecured portfolios (preferably PL, consumer loans, or SME).
• Strong understanding of collections technology tools, digital engagement platforms, and agency networks.

Skills:

• Deep knowledge of collections processes, legal frameworks (SARFAESI, arbitration, etc.), and regulatory guidelines.
• Strong analytical mindset with ability to interpret portfolio data and drive actionable insights.
• Experience in managing large field teams and outsourced agencies.
• Excellent leadership, communication, and negotiation skills.
• Hands-on, execution-oriented leader who can scale operations rapidly in a startup-like NBFC environment.

Education:

• Graduate / Postgraduate in Business, Finance, or related fields.
• MBA preferred.