Collections Team Lead

Godrej Capital, a subsidiary of Godrej Industries, serves as the holding company for Godrej Housing Finance & Godrej Finance. Embracing a digital-first approach and a strong commitment to customer-centric product innovation, Godrej Capital provides a range of financial services including Home Loans, Loan Against Property, Property Loans, and Business Loans. The company is poised to extend its offerings to diverse customer segments and introduce new products. With a primary focus on establishing a sustainable retail financial services business in India, Godrej Capital draws strength from the 125+ year legacy of trust and excellence associated with the Godrej Group. A key priority for Godrej Capital is the development of its workforce through learning and capability enhancement initiatives, underscoring its dedication to fostering diversity, equity, and inclusion across the organization. Recognized as a Great Place to Work, Godrej Capital has earned certifications in 2022 and 2023. The company secures a position among India's Top 50 Best Workplaces in BFSI 2023 and is acknowledged as one of India's Great Mid-Size Workplaces for 2023. Additionally, Godrej Capital has been honored as the Best Organization for Women by The Economic Times in both 2022 and 2023, and as the Best Workplace for Women by Great Place to Work in 2022 and 2023. Job Requirements: - MBA or CA qualification - Minimum 5 years of experience in Collections within a Strategy Role Essential Skills: 1. Analytical & Data Skills: - Data Analysis & Interpretation: Proficient in analyzing large datasets to identify trends, portfolio risk, and customer behavior. - Proficiency in Advanced Excel / SQL / Python / R for data manipulation and reporting. - Knowledge of Dashboarding & Reporting tools such as Power BI, Tableau, or similar. 2. Credit Risk Understanding: - Familiarity with the credit lifecycle, including originations, early warning systems, delinquency buckets (DPD), and recovery. - Understanding of risk segmentation and its impact on collections strategy. 3. Strategy Development: - Ability to design and optimize collections workflows, segmentation strategies, and treatment paths (e.g., calls, SMS, legal, field visits). - Experience in champion-challenger testing and performance tracking of different collections interventions.,