Digital Collections Strategy Manager – Pre-Delinquency Management

Role Overview:

We are looking for a Digital Collections Strategy Manager to lead pre-delinquency and

early-stage risk management programs for our partner lending institutions. The role will

involve designing, deploying, and optimizing data-driven borrower engagement

strategies that proactively reduce delinquency and improve portfolio health.

Key Responsibilities:

1. Strategy & Design

• Develop and implement digital pre-delinquency management frameworks using

borrower segmentation, behavioural analytics, and risk signals.

• Define preventive engagement journeys (SMS, WhatsApp, email, IVR, app

notifications, etc.) to encourage timely repayment and reduce roll rates.

• Partner with client institutions to design custom strategies aligned to their portfolio

mix (personal loans, credit cards, consumer durable finance, etc.).

2. Execution & Optimization

• Manage execution of multi-channel digital campaigns via Company's DCM platform.

• Continuously analyse borrower responses and payment behaviours to refine

messaging, timing, and channel effectiveness.

• Collaborate with Product and Data Science teams to test and iterate on predictive

models for delinquency prevention.

Private & Confidential

3. Client & Stakeholder Management

• Work closely with client collection heads and risk teams to align pre-delinquency

initiatives with business objectives.

• Present performance insights and dashboards, highlighting strategy impact on key

metrics such as DPD roll rates, cure rates, and collection efficiency.

• Train client operations teams on digital engagement best practices.

4. Cross-Functional Collaboration

• Collaborate with internal Product, Analytics, and Customer Success teams to drive

product improvements based on client feedback.

• Support integration with client LMS / CRM systems for real-time borrower insights.

Qualifications & Experience:

• 5–8 years of experience in collections strategy, credit risk, or portfolio

management, preferably in banks, NBFCs, or fintechs.

• Strong understanding of retail lending products and collections lifecycle, particularly

pre-delinquency and early-stage (0–30 DPD) management.

• Experience working with digital channels, communication platforms, and analytics

tools.

• Hands-on experience in A/B testing, segmentation, and campaign optimization.

• Proficiency in Excel / SQL / Tableau / Power BI; exposure to CRM or collection

management platforms is a plus.

• Excellent communication and stakeholder management skills.

What We Offer:

• Opportunity to shape the future of digital collections and borrower engagement in

India.

• Collaborative, high-growth environment with cross-functional exposure across

product, strategy, and analytics.

• Competitive compensation and performance-linked incentives.