Main Responsibilities · Development and maintenance of the new software platform. · Design of a scalable and highly configurable cloud native solution targeting multiple geographic jurisdictions and asset types. · Ensure all developments fit within the overall system architecture and design strategy, and make sure code is of a consistent and appropriate standard. · Manage and maintain the company codebase using industry best practice to provide full audit and control capabilities. · Work with all stakeholders to best prioritise system developments and deliver to agreed release schedules. · Work closely with the test team to design and implement robust automatic testing in an agile fashion. · Work as part of the Scrum team to analyse and estimate sprint items. · Keep abreast with Testing best practices and new trends. Accountabilities · Ownership of the Project Horizon code base and production environment deployed in Azure. Regulation · Ensure the solution meets design best practices as well as cybersecurity requirements. Competencies · Good knowledge of mortgage and lending markets in both loan originations and servicing areas. · Proficient in Microsoft Office applications. · Good documentation skills both technical and operational/process mapping etc. · Ability to work in Agile frameworks but adaptable and confident enough not to be driven by process or methodology for its own sake. · Clear and demonstrable ability to identify problems and work with colleagues to find appropriate solutions collaboratively. Your skills · Excellent C# skills (WebAPI, ASP.NET Core). · Excellent SQL Server, Azure SQL and NoSQL (CosmosDB) skills. · Good understanding of front-end technologies, specifically Angular and the supporting framework tools. · Experienced in cloud-native applications (preferably Azure) with good understanding of modular design and asynchronous communication. · Familiarity with IaaS, PaaS and IaC technologies – Kubernetes, Terraform, Ansible. · Able to demonstrate a track record of building high performing and reliable systems. · Strong advocate of CI/CD principles familiar with the Azure DevOps stack. · A strong communicator with the ability to articulate complex concepts to non-technical audiences. · Competency in best practices and techniques – BDD, design patterns, SOLID principles, DDD. · Ability to analyse problems, think creatively, and make effective decisions in the appropriate timescale. · Self-motivator and ability to work autonomously as well as part of a wider development team · Able to multitask and work across multiple products. · Be open to receive feedback and constructive criticism to drive improvements and deliverables. · Strong team collaboration and experience working with remote teams. · Driving high-quality work products within expected timeframes and on budget. · Ability to handle high pressure and fast paced situations. · Ability to quickly and positively adapt to change. · Strong preference for candidates with 5-7 years’ experience in the Financial Services industry. Pepper Advantage’s values and culture Our mission is to help people succeed. Our clients, our customers, our employees. Our Values are ‘Can do’, ‘Balanced’ and ‘Real’. Pepper Advantage’s values support our vision, shape our culture and define how we interact with other employees and the attitudes we adopt towards our customers and clients. The values of Pepper Advantage support the organisation’s mission statement. Pepper Advantage’s unique outcome focused corporate culture aims to deliver fairness and value for clients and customers, consistently exceeding expectations in all measurable performance areas. Pepper Advantage is an equal opportunities employer. Role Profiles are subject to change in line with business needs.

About the role The National Collection Head will be responsible for leading the national field recovery efforts for early-stage delinquencies, with a specific focus on unsecured loan products. This role requires strategic leadership in driving recovery performance through on-ground execution across multiple regions, particularly in high-volume and high-risk geographies. The ideal candidate should have deep operational expertise, having handled field recovery across at least three states, and must demonstrate experience in managing large unsecured portfolios Location: Mumbai Main Responsibilities 1. Collection Strategy & Execution • Develop and execute field recovery strategies for early-stage overdue unsecured accounts. • Minimize roll forward rates through region-wise planning and robust execution. • Align field recovery plans with broader organizational goals and contact center efforts. 2. Field Operations Management • Lead and oversee field collection teams operating across multiple states. • Create region-specific action plans based on demographic insights and delinquency patterns. • Track performance through KPIs to ensure timely and efficient recoveries. 3. Team Leadership • Manage and guide regional and zonal collection heads across geographies. • Foster a culture of ownership, accountability, and ethical recovery practices. • Drive continuous training and team development to enhance capability. 4. Process Optimization • Strengthen coordination between field and contact center teams for better conversion. • Implement process improvements using tech-enabled collection tools and dashboards. • Ensure SOPs are followed uniformly across all regional operations. 5. Customer Relationship Management • Encourage a respectful, solution-oriented approach in all customer interactions. • Empower teams to offer structured repayment solutions for customers in hardship. • Monitor field conduct and maintain customer experience standards. 6. Compliance & Risk Management • Ensure end-to-end compliance with RBI guidelines, industry norms, and internal audit standards. • Establish controls to prevent unethical practices and ensure grievance redressal. • Work closely with compliance and legal for escalated recovery actions. 7. Stakeholder Engagement • Liaise with internal teams – Credit, Risk, Product, and Legal – for portfolio support and strategy. • Provide regular performance updates to leadership, along with insights on risk pockets and recovery trends. Your skills • Bachelor’s degree in Finance, Business Administration, or related field (MBA preferred). • Minimum 15 years of experience in collections, with a strong focus on field recovery for unsecured loans. • At least 7 years in a leadership role managing early bucket delinquency collections. • Must have handled collections across at least 3 states with proven experience in regional operations Pepper Advantage’s values and culture Our mission is to help people succeed. Our clients, our customers, our employees. Our Values are ‘Can do’, ‘Balanced’ and ‘Real’. Pepper Advantage’s values support our vision, shape our culture and define how we interact with other employees and the attitudes we adopt towards our customers and clients. The values of Pepper Advantage support the organisation’s mission statement. Pepper Advantage’s unique outcome focused corporate culture aims to deliver fairness and value for clients and customers, consistently exceeding expectations in all measurable performance areas. Pepper Advantage is an equal opportunities employer. Role Profiles are subject to change in line with business needs.