2 Collections Optimization Jobs

Pre-Delinquency Management (PDM) Strategy & Early Risk Mitigation Develop a proactive PDM strategy to identify customers at risk of missing payments before they enter delinquency. Utilize in house tool AI-based risk models, BI Dashboard and early warning signals (EWS) to segment high-risk borrowers and implement early interventions. Implement automated digital engagement (SMS, WhatsApp, IVR calls, emails, in-app notifications) to encourage timely payments. Work closely with sales team and DSMG to improve collection efficiency in X bucket along with customer onboarding and risk profiling for better portfolio quality. Introduce customer education programs and financial literacy initiatives to promote responsible repayment behavior. X-Bucket Recovery & Loss Mitigation Develop and execute high-delinquency (X-Bucket) recovery strategies to maximize collections from aged overdue accounts. Coordinate with legal, arbitration, and settlement teams to resolve X-Bucket cases through legal and out-of-court settlements. Implement skip tracing, asset repossession, and field collection strategies for untraceable or non-responsive customers. Strengthen recovery agent networks and external collection agency collaborations for high-risk accounts. Design performance-linked incentives and collection efficiency targets for X-Bucket recovery teams. Digital & Technology-Based Collections Leverage LMS, CRM, and AI-driven analytics to track repayment behavior and optimize collection strategies. Implement self-service payment portals, digital repayment links, and fintech partnerships for seamless recoveries. Explore automated chatbots and AI-driven reminders to enhance early-stage interventions and X-Bucket recoveries. Work with BI teams to develop risk-based dashboards for tracking PDM and X-Bucket performance. Compliance, Risk, & Customer-Centric Approach Ensure strict adherence to RBI/NBFC collection regulations and ethical collection practices. Work with risk and compliance teams to handle fraud-related cases in delinquency and X-Bucket segments. Implement fair and customer-friendly resolution approaches while maintaining collection efficiency. Performance Monitoring & MIS Reporting Track PDM effectiveness, delinquency roll-back rates, and X-Bucket recovery trends through data analytics. Provide detailed MIS reports and insights to senior management for strategy improvements. Analyze root causes of slippages and propose corrective measures for portfolio stabilization. Individual Contributor & Cross-Functional Collaboration Handle high-value and sensitive X-Bucket accounts for direct resolution and settlement negotiations. Collaborate with collections, legal, sales, and risk teams to align strategies and improve overall portfolio performance. Train and mentor collection officers and recovery agents on best practices in PDM and X-Bucket recoveries. Key Skills & Competencies: Expertise in Pre-Delinquency (PDM) management and X-Bucket recovery strategies Strong analytical skills in delinquency forecasting, risk segmentation, and collections optimization Experience with digital collection tools, AI-based analytics, and fintech repayment solutions Proficiency in Excel, SQL, and BI tools for performance tracking & reporting Knowledge of RBI/NBFC collection regulations and ethical recovery practices Excellent stakeholder management, negotiation, and compliance handling skills Qualifications : MBA/PGDM in Finance, Business, or a related field.

Pre-Delinquency Management (PDM) Strategy & Early Risk Mitigation Develop a proactive PDM strategy to identify customers at risk of missing payments before they enter delinquency. Utilize in house tool AI-based risk models, BI Dashboard and early warning signals (EWS) to segment high-risk borrowers and implement early interventions. Implement automated digital engagement (SMS, WhatsApp, IVR calls, emails, in-app notifications) to encourage timely payments. Work closely with sales team and DSMG to improve collection efficiency in X bucket along with customer onboarding and risk profiling for better portfolio quality. Introduce customer education programs and financial literacy initiatives to promote responsible repayment behavior. X-Bucket Recovery & Loss Mitigation Develop and execute high-delinquency (X-Bucket) recovery strategies to maximize collections from aged overdue accounts. Coordinate with legal, arbitration, and settlement teams to resolve X-Bucket cases through legal and out-of-court settlements. Implement skip tracing, asset repossession, and field collection strategies for untraceable or non-responsive customers. Strengthen recovery agent networks and external collection agency collaborations for high-risk accounts. Design performance-linked incentives and collection efficiency targets for X-Bucket recovery teams. Digital & Technology-Based Collections Leverage LMS, CRM, and AI-driven analytics to track repayment behavior and optimize collection strategies. Implement self-service payment portals, digital repayment links, and fintech partnerships for seamless recoveries. Explore automated chatbots and AI-driven reminders to enhance early-stage interventions and X-Bucket recoveries. Work with BI teams to develop risk-based dashboards for tracking PDM and X-Bucket performance. Compliance, Risk, & Customer-Centric Approach Ensure strict adherence to RBI/NBFC collection regulations and ethical collection practices. Work with risk and compliance teams to handle fraud-related cases in delinquency and X-Bucket segments. Implement fair and customer-friendly resolution approaches while maintaining collection efficiency. Performance Monitoring & MIS Reporting Track PDM effectiveness, delinquency roll-back rates, and X-Bucket recovery trends through data analytics. Provide detailed MIS reports and insights to senior management for strategy improvements. Analyze root causes of slippages and propose corrective measures for portfolio stabilization. Individual Contributor & Cross-Functional Collaboration Handle high-value and sensitive X-Bucket accounts for direct resolution and settlement negotiations. Collaborate with collections, legal, sales, and risk teams to align strategies and improve overall portfolio performance. Train and mentor collection officers and recovery agents on best practices in PDM and X-Bucket recoveries. Key Skills & Competencies: Expertise in Pre-Delinquency (PDM) management and X-Bucket recovery strategies Strong analytical skills in delinquency forecasting, risk segmentation, and collections optimization Experience with digital collection tools, AI-based analytics, and fintech repayment solutions Proficiency in Excel, SQL, and BI tools for performance tracking & reporting Knowledge of RBI/NBFC collection regulations and ethical recovery practices Excellent stakeholder management, negotiation, and compliance handling skills Qualifications : MBA/PGDM in Finance, Business, or a related field.