Manager - Collection Strategy & Lender Management

BharatPe; Gurugram District; On-site; INR 1,400,000 - 2,100,000; Full time

Job summary

BharatPe is seeking an experienced analytics leader to strengthen risk and collection operations. You will forecast delinquency, optimize agency allocations, and provide data-driven insights to improve recoveries while managing external agencies and SLAs.

You will collaborate with Risk, Finance, Legal, and IT teams to support strategic decisions and scale loss recovery efforts in a dynamic payments ecosystem.

Qualifications

• Graduate or Post-Graduate degree in Business, Finance, Economics, or a related discipline.
• 7–10 years of experience in collection operations, vendor management, or credit card/lending portfolios/BNPL.

Responsibilities

• Manage third-party collection agencies, debt recovery partners, or off-roll collection teams.
• Onboard, contract, document, and renew 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 per SLAs.
• Collaborate with Risk, Finance, Legal, Field Operations, and Lender teams to reconcile recovery data and handle escalations.
• Analyze large data volumes to identify trends, patterns, and insights related to collections performance.
• Develop models to forecast delinquency, identify high-risk accounts, and prioritize collection efforts.
• Monitor strategies to assess business and risk impact continuously.

Skills

Quantitative analysis

Data mining

Trend analysis

Insights from data

SQL

Python

Recovery yields analysis

SLA negotiation

Education

Bachelor's or Master's in Business/Finance/Economics

Tools

SQL

Python

Job description

In this role, you have the opportunity to ...: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 leadership through risk predictions and the reward of seeing your contributions help build for Bharat.

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, and insights related to collections performance.
• Develop models to forecast delinquency rates, identify high-risk accounts, and prioritize collection efforts.
• Monitor implemented strategies to continuously assess business and risk impact.

Problem Solving:

Monitor and evaluate ongoing performance and make data-driven recommendations for improvements needed. Develop and implement predictive models to improve agency allocation module basis data-driven insights.

Interaction:

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

Challenges & Decisions:

Working in a highly commoditized and 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 credit card/lending portfolios/unsecured loan or BNPL products.

Skills & know-how:

• Adept in quantitative analysis, data mining, trend analysis, and creating insights within large data ecosystem.
• 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 and tech-first mindset - you are aggressive, have a 10x approach, and like to build for scale.