About Credit Saison India Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Job Summary: 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. Show more Show less

About Credit Saison: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. More about us on https://www.creditsaison.in Job Description Responsibilities: - Partner with Businesses to drive and align with the organization's business plan. Implement HR plans and solutions to achieve strategic business initiatives and deliver results. - Analyzes trends and metrics in partnership with COEs to develop solutions, programs, and policies. - Drive all HR projects closely with the business team covering employee engagement, performance management, organizational design, talent management, policy, and process review. - Analyzes trends and metrics in partnership with COEs to develop solutions, programs, and policies. - Work closely with management and employees to improve work relationships, build morale and increase productivity and retention. - Consults with line management, providing HR guidance when appropriate. - Provide HR policy guidance and interpretation. - Manages and resolves complex employee relations issues. Conducts effective, thorough, and objective investigations. - Provides guidance and input on department restructures, manpower planning, and succession planning. - Resolve employee issues/queries and address grievances. Conduct thorough investigations where required. - Partnering with line management and employees to enhance employee engagement. - Ensure adherence to legal compliance and governance guidelines in various business verticals / locations - Driving various learning interventions and capability building programmes - Monitor attrition and design strategies in collaboration with business function to reduce attrition - Drive end to end Performance management cycle for the business units - Create platform for solving employee grievances and ensure effective and timely resolution to same - Effective stakeholder management Skills and attributes for success: - This role requires an experienced, innovative, and resilient team player with excellent project management, communication, and leadership skills and a strong foundational understanding of the intersection of people partnering Recruitment, and HR operations - Excellent project management, problem-solving, and delegation abilities, ability to manage complex global processes and programs - Exceptional attention to detail, organizational skills, and ability to multi-task, prioritize, manage deadlines, and work under tight deadlines To qualify for the role, you must have : - Bachelor's or master's degree in a Relevant field - At least 5-10 years of relevant experience - Excellent command of spoken and written English - Experience in NBFC or Financial services with a specific focus on leading business partnering for Branches, Sales, and Business development verticals is a must but should not be a limiting factor for the right candidate - Experience leading and managing HRBP teams Show more Show less

About Credit Saison: A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate. Across our verticals, we offer bespoke solutions to meet the various credit needs of Individuals, SMEs, FinTechs, and NBFCs. Credit Saison India (“CS India”), having been founded in 2018, operates under the registered name Kisetsu Saison Finance India Private Limited as an MNC subsidiary of its parent company – Credit SaisonCo. Ltd in Japan. Across our various business verticals like Wholesale Financing, Co-origination Financing, Consumer Financing, and SME Financing we look towards reaching resilient Assets Under Management (“AUM”) of US1bn in record time. More about us on https://www.creditsaison.in Job Description: 1. Understanding of type of collaterals in location 2. Issues faced in collateral valuation and resolution/solution to avoid risk involved in these collaterals 3.Coordination with valuation vendor for getting reports on time and maintaining MIS for each vendor 4. Review of valuation agencies on timely basis and sharing feedback for improvement 5. Meeting with credit and business team on timely basis for feedback on valuations 6. Giving opinion on valuation given by agencies7. Keeping Market/competition information on type of collateral 7. Good communication skill for discussing with valuation agencies and cross function 8. Monitoring and review of location Collateral note 9. Maintaining Portfolio checks and control Show more Show less

About Credit Saison India: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Intern Job Summary: We are looking for a passionate and driven Software Engineer Intern to join our engineering team. As an intern, you will gain hands-on experience working on real-world software development projects alongside experienced engineers. This is an excellent opportunity to enhance your programming skills, contribute to impactful projects, and gain exposure to the software development lifecycle in a collaborative environment. Key Responsibilities: Collaborate with engineering teams to design, develop, test, and deploy software solutions. Write clean, maintainable, and efficient code in [programming languages used, e.g., Python, JavaScript, Java, etc.]. Assist in debugging and troubleshooting application issues. Participate in code reviews and team meetings. Work with modern development tools and frameworks (e.g., Git, Docker, React, Node.js, etc.). Learn and apply software development best practices. Qualifications: Currently pursuing a Bachelor's or Master’s degree in Computer Science, Software Engineering, Solid foundation in computer science fundamentals such as data structures, algorithms, and object-oriented programming. Familiarity with one or more programming languages (e.g., Python, Java, C++, JavaScript). Basic understanding of version control systems like Git. Excellent problem-solving, communication, and teamwork skills. Self-motivated and eager to learn new technologies. Nice to Have: Experience with web or mobile development. Exposure to databases (SQL/NoSQL) and APIs. Knowledge of cloud platforms (e.g., AWS, Azure, GCP). What You’ll Gain: Practical experience working on production-grade software. Mentorship from experienced engineers. Opportunity to contribute to real business outcomes. Insight into Agile/Scrum methodologies and professional software development processes. Networking opportunities within a growing tech company. Show more Show less