We are seeking a data-driven and strategic professional to lead our collection strategy for retail and SME loans in India. The ideal candidate will develop, implement, and optimize debt collection strategies that improve recovery rates, reduce delinquency, and ensure compliance with regulatory guidelines. The role requires a strong understanding of analytics, collection processes, RBI regulations, and customer segmentation.

Key Responsibilities:

Strategy Development:
- Design and implement end-to-end collection strategies across delinquency buckets (soft, hard, and legal collections).
- Develop risk-based segmentation to prioritize accounts and personalize recovery actions.
- Optimize contact strategies (SMS, IVR, email, field visits, call center) based on customer behavior and risk profile.
Portfolio Management:
- Monitor portfolio performance, delinquency trends, and recovery rates.
- Identify stress segments and design focused recovery campaigns.
Analytics & Reporting:
- Use data analytics and machine learning models to forecast recoveries and predict roll rates.
- Work closely with the data science team to improve scoring models.
- Build dashboards and performance reports for senior management.
Process Optimization:
- Drive automation and digitization of collections processes.
- Collaborate with tech teams to implement collection systems (CRM, dialers, payment gateways).
- Identify and fix bottlenecks in existing collection flows.
Agency & Vendor Management:
- Onboard and manage third-party collection agencies and legal vendors.
- Define SLAs and ensure adherence to compliance and performance metrics.
Compliance & Risk:
- Ensure adherence to RBI guidelines, fair practices code, and regulatory requirements.
- Mitigate reputational and operational risk through effective control mechanisms.

Qualifications & Skills:

Bachelor s degree in Business, Finance, Economics, or related field; MBA preferred.
5 10 years of experience in debt collections, preferably in a fintech, NBFC, or bank.
Experience in managing unsecured and secured loan portfolios.
Strong knowledge of Indian regulatory framework (RBI, DRA guidelines, SARFAESI).
Proficient in Excel, SQL, Power BI/Tableau; knowledge of SAS/R/Python is a plus.
Excellent problem-solving, analytical, and communication skills.
Experience in working with cross-functional teams (tech, legal, product, operations).

Preferred:

Exposure to collections strategy in digital lending or consumer finance.
Experience with AI/ML-based collection scorecards or decision engines.
Multilingual proficiency to deal with regional agencies across India.

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Collection Strategy Analyst / Lead

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Job Description

Job Summary:

Key Responsibilities:

Strategy Development:

Portfolio Management:

Analytics & Reporting:

Process Optimization:

Agency & Vendor Management:

Compliance & Risk:

Qualifications & Skills:

Preferred:

More Jobs at Saison Omni India