Head of collection strategy

Unobank; Bengaluru; On-site; INR 4,000,000 - 6,500,000; Full time

Job summary

Unobank in Bengaluru, India seeks a Head of Collection Strategy to design, implement, and optimize debt collection strategies that improve recovery rates while staying compliant and delivering a positive customer experience.

The role drives portfolio performance through data-driven decisions, cross-functional collaboration, and leadership of the collection strategy team.

Qualifications

• Bachelor's degree in Finance, Business, Economics, or related field; master's preferred.
• Significant experience in collections, credit risk, or portfolio strategy management.
• Strong analytical, stakeholder management, and leadership skills.
• Expertise in collections analytics, forecasting, and performance optimization.

Responsibilities

• Develop and execute end-to-end collection strategies across portfolios.
• Analyze collection performance and delinquency trends to identify improvements.
• Drive segmentation, treatment strategies, and contact optimization.
• Ensure regulatory compliance and alignment with company policies.
• Partner with Operations, Risk, Analytics, Technology, and Product teams.
• Monitor KPIs, prepare management reports, and propose corrective actions.
• Lead automation and digital collection initiatives to boost productivity and engagement.
• Mentor collection strategy teams and foster continuous improvement.

Skills

Analytical leadership

Stakeholder management

Collections analytics

Regulatory compliance

Education

Bachelor's degree in Finance, Business, Economics

Master's degree preferred

Job description

Role Summary:

The Head of Collection Strategy is responsible for designing, implementing, and optimizing debt collection strategies to improve recovery rates while maintaining regulatory compliance and customer experience. The role drives portfolio performance through data-driven decision-making, process improvements, and cross-functional collaboration.

Key Responsibilities:

• Develop and execute end-to-end collection strategies across customer portfolios.
• Analyze collection performance, delinquency trends, and recovery metrics to identify improvement opportunities.
• Drive segmentation, treatment strategies, and contact optimization to maximize collections efficiency.
• Ensure compliance with regulatory requirements, company policies, and industry standards.
• Partner with Operations, Risk, Analytics, Technology, and Product teams to implement strategic initiatives.
• Monitor KPIs, prepare management reports, and recommend corrective actions.
• Lead automation and digital collection initiatives to enhance productivity and customer engagement.
• Manage and mentor collection strategy teams, fostering a culture of continuous improvement.

Key Requirements:

• Bachelor's degree in Finance, Business, Economics, or a related field (Master's degree preferred).
• Significant experience in collections, credit risk, or portfolio strategy management.
• Strong analytical, stakeholder management, and leadership skills.
• Expertise in collections analytics, forecasting, and performance optimization.
• Knowledge of regulatory and compliance requirements related to debt collections.