Head of Collections

As the Head of Collections, you will be responsible for driving the end-to-end collections strategy and execution across all asset products, geographies, and customer segments. Your main focus will be ensuring minimal delinquency and optimal recovery rates. You will lead the national collections framework to ensure compliance, efficiency, and innovation while safeguarding asset quality by managing internal and external stakeholders across different geographies. Your key responsibilities will include: - Designing and implementing collection strategies for both secured and unsecured portfolios - Driving performance metrics such as credit cost, portfolio-wise resolution rates, and cost of collections - Preparing and presenting collection performance updates and recovery projections to the Board - Developing the annual collection budget, resource plan, and agency targets - Monitoring risk triggers and fine-tuning strategies based on analytical insights - Leading and motivating large teams across multiple locations The ideal candidate for this role should have at least 12 years of core experience in retail lending collections, including both secured and unsecured portfolios. Previous experience in a National level role in large banks/NBFCs would be preferred. A graduation or post-graduation degree is required, with certifications in Credit/Collections/Analytics being an added advantage. Please note that certifications in Credit/Collections/Analytics are preferred but not mandatory for this position.,