Manager – Collection Strategy & Lender Management

BharatPe; Gurugram District; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

BharatPe Group is a leading Indian fintech offering a range of financial services for merchants and consumers. This role focuses on risk, collections, and data-driven decision making to optimize recoveries and reduce losses across the portfolio.

You will collaborate with Risk, Finance, Legal and IT teams to build predictive models, monitor performance, and influence leadership with data-driven recommendations. The ideal candidate has deep analytics experience and a growth mindset for scale.

Qualifications

• Graduate or Post-Graduate degree in Business, Finance, Economics, or related discipline.
• 7 to 10 years of experience in collection operations, vendor management, or credit card/lending portfolios or BNPL products.
• Proficiency in data tools like SQL/Python.

Responsibilities

• Become the brain for the risk and collection teams in achieving desired results for the businesses.
• Provide analytics and insights on reserves forecasting and macro-economic factors.
• Enable evolution of loss forecasting capabilities with robust prioritization with stakeholders.
• Engage BharatPe Leadership through risk predictions and demonstrate impact on recoveries.
• Manage third-party collection agencies and external partners within SLAs.
• Monitor agency metrics and validate agency billing and payouts.

Skills

SQL

Python

Quantitative analysis

Data mining

Stakeholder management

Communication

Education

Graduate or Post-Graduate degree in Business/Finance/Economics

Tools

SQL

Python

Job description

… a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally.

We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect — and we do it all together.

Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game”!

In this role, you have the opportunity to …

Responsibilities will include …

• Become the brain for the risk and collection teams in achieving desired results for the businesses.
• Play a key role in reserves forecasting process by providing necessary analytics and insights on components and macro-economic factors
• Enable the phased evolution of loss forecasting capabilities by identifying areas for enhancement and follow up including robust prioritization with stakeholders
• Engage and influence, BharatPe Leadership through risk predictions and the reward of seeing your contributions help build #bharatpeforbharat.

Functional Expertise:

• focuses on managing third-party collection agencies, debt recovery partners, or off-roll collection teams in financial services, lending, or lenders.
• Manage the onboarding, contracting, documentation, and renewal of external collection agencies.
• Monitor daily agent and agency metrics (resolution rate, normalization rate, roll-back rate, call quality, and P&L targets).
• Validate and process agency billing, payouts, headcounts, dialer lines, and incentive structures in line with Service Level Agreements (SLAs).
• Work closely with Risk, Finance, Legal, Field Operations, and Lender teams to reconcile recovery data and handle escalations.
• Analyze and interpret large volumes of data to identify trends, patterns & insights related to Collections performance.
• Developing models to forecast delinquency rates, identify high risk accounts and prioritize collection efforts.
• Monitor implemented strategies to continuously assess business & risk impact.

Problem Solving

• Monitor and evaluate ongoing performance and make data driven recommendations for improvements needed.
• Developing and implementing predictive models to improve agency allocation module basis data driven insights.

Interaction

• Collaborate with cross functional teams such as Business, Lending ops & IT to execute developed modules to ensure minimum losses and maximize recoveries.

Challenges & Decisions

• Working in a highly commoditized & competitive landscape

Qualification & Experience

• Graduate or Post-Graduate degree in Business, Finance, Economics, or a related discipline.
• 7 to 10 years of experience in collection operations, vendor management, or creditcard/lending portfolios/ Unsecured Loan or BNPL products

Skills & know-how

• Adept in quantitative analysis, data mining, trend analysis and creating insights within large data eco-system. Proficiency in data tools like SQL/Python
• Ability to analyze recovery yields, manage agency cost-per-collection, and negotiate SLAs.

Behaviors

• Communication and Stakeholder management – ability to engage effectively with everyone
• A curious mind and a mastery over numbers – you are comfortable with ambiguity, love to experiment and data excites you!
• A Growth & Tech-first Mindset – you are aggressive, have a 10x approach and like to build for scale