Head of Collections - Unsecured Loans

Job Description

As the Head of Collections, you will be responsible for leading and managing the collections function, ensuring timely receivables, minimizing bad debts, and optimizing cash fl ow. You will play a key role in driving operational effi ciency, implementing best practices, and working closely with cross-functional teams to maintain a healthy fi nancial ecosystem. Key Responsibilities: Develop and implement collections strategies to ensure timely payments from customers. Monitor accounts receivable (AR) performance and identify potential risks. Establish and enforce credit control policies to reduce default rates. Build and lead a high-performing collections team, setting clear KPIs and goals. Work closely with Demand, Supply, fi nance, and operations teams to ensure smooth collections. Develop and maintain strong relationships with key customers to facilitate payment recovery. Implement and optimize collections technology and automation tools. Conduct data analysis and reporting on collections performance, recovery trends, and risk mitigation. Ensure compliance with legal and regulatory requirements related to collections and credit control. Drive continuous process improvements to enhance efficiency and effectiveness of collections Key Requirements: 8-12 years of experience in collections, credit risk management, or receivables management, preferably in B2B, fintech, or agri-tech sectors. Proven track record of managing large-scale collections operations and reducing overdue payments. Should have handled ticket size of 5 L to 1cr in an unsecured business lending space. Strong analytical skills with experience in AR reporting, forecasting, and risk assessment. Excellent negotiation and relationship management skills. Proficiency in ERP systems, collections tools, and data analytics platforms. Ability to lead and mentor a team in a fast-paced, high-growth environment. Strong problem-solving skills and a proactive approach to challenges. Knowledge of legal frameworks and compliance related to collections. Experience in farmer or vendor financing is a plus.