To manage and lead the collections operations for Consumer Durable (CD) loans within the assigned zone. Responsible for achieving collection targets, minimizing delinquencies, and ensuring compliance with regulatory and company standards across branches in the zone. Key Responsibilities: Develop and implement zonal collection strategies aligned with organizational goals. Monitor key performance indicators (KPIs) and recovery trends. Team Leadership: Supervise and guide a team of Area/Regional Collection Managers and third-party collection agencies. Conduct regular training and performance reviews for the collections team. Operational Management: Ensure timely recovery of overdue accounts in the Consumer Durable Loans portfolio. Monitor daily, weekly, and monthly collections data and MIS reports. Coordinate with credit, legal, and sales departments for recovery efforts. Compliance & Risk Management: Ensure adherence to all regulatory norms and internal policies. Handle escalated customer issues or legal cases related to collections. Agency/Vendor Management: Appoint, evaluate, and manage collection agencies/vendors. Conduct audits and compliance checks on field collections activities. Customer Handling: Address serious delinquency cases with customer-centric approaches, while protecting company interests. Promote ethical and non-coercive recovery practices. Show more Show less
Principle Accountabilities: 1.Client Relationship Management: Establish and maintain relationships with clients, understanding their financial requirements and providing tailored loan solutions. 2. Loan Assessment: Evaluate the creditworthiness of clients, reviewing financial statements, and credit reports to make lending decisions. 3. Loan Structuring: Structure loan deals that meet the specific needs of clients, ensuring they align with the NBFCs risk appetite and profitability goals. 4. Loan Portfolio Growth: Work on expanding the personal loan portfolio, acquiring new clients, and cross-selling other financial products and services. 5. Compliance: Ensure that all lending practices adhere to regulatory requirements and internal policies, including KYC (Know Your Customer) and AML (Anti-Money Laundering) procedures. 6. Market Research: Stay informed about market trends and competition to identify opportunities for personal loan growth. 7. Customer Service: Provide ongoing support and excellent customer service to business clients, addressing their inquiries and concerns. Desired Profile: 1. Educational Background: A bachelors degree in finance, Business Administration, Economics, or a related field. An MBA or professional certifications related. 2. Should understand financial statements, key financial numbers, KYC documents, bank statement, GST etc. 3. Understanding of local language in the city is a must. 4. Should have strong network of at least 15-20 active DSAs, CAs, Connectors in the city
Principle Accountabilities: 1.Client Relationship Management: Establish and maintain relationships with clients, understanding their financial requirements and providing tailored loan solutions. 2. Loan Assessment: Evaluate the creditworthiness of clients, reviewing financial statements, and credit reports to make lending decisions. 3. Loan Structuring: Structure loan deals that meet the specific needs of clients, ensuring they align with the NBFCs risk appetite and profitability goals. 4. Loan Portfolio Growth: Work on expanding the personal loan portfolio, acquiring new clients, and cross-selling other financial products and services. 5. Compliance: Ensure that all lending practices adhere to regulatory requirements and internal policies, including KYC (Know Your Customer) and AML (Anti-Money Laundering) procedures. 6. Market Research: Stay informed about market trends and competition to identify opportunities for personal loan growth. 7. Customer Service: Provide ongoing support and excellent customer service to business clients, addressing their inquiries and concerns. Desired Profile: 1. Educational Background: A bachelors degree in finance, Business Administration, Economics, or a related field. An MBA or professional certifications related. 2. Should understand financial statements, key financial numbers, KYC documents, bank statement, GST etc. 3. Understanding of local language in the city is a must. 4. Should have strong network of at least 15-20 active DSAs, CAs, Connectors in the city
Principle Accountabilities: 1.Client Relationship Management: Establish and maintain relationships with clients, understanding their financial requirements and providing tailored loan solutions. 2. Loan Assessment: Evaluate the creditworthiness of clients, reviewing financial statements, and credit reports to make lending decisions. 3. Loan Structuring: Structure loan deals that meet the specific needs of clients, ensuring they align with the NBFCs risk appetite and profitability goals. 4. Loan Portfolio Growth: Work on expanding the personal loan portfolio, acquiring new clients, and cross-selling other financial products and services. 5. Compliance: Ensure that all lending practices adhere to regulatory requirements and internal policies, including KYC (Know Your Customer) and AML (Anti-Money Laundering) procedures. 6. Market Research: Stay informed about market trends and competition to identify opportunities for personal loan growth. 7. Customer Service: Provide ongoing support and excellent customer service to business clients, addressing their inquiries and concerns. Desired Profile: 1. Educational Background: A bachelors degree in finance, Business Administration, Economics, or a related field. An MBA or professional certifications related. 2. Should understand financial statements, key financial numbers, KYC documents, bank statement, GST etc. 3. Understanding of local language in the city is a must. 4. Should have strong network of at least 15-20 active DSAs, CAs, Connectors in the city
•To manage a team of sales Associates •To control shrinkage and attrition of sales team • Team Lead needs to monitor calls and provide regular coaching and mentoring to sales associates and track low performers in team. • Need to ensure CMS reports related to team staffing, AHT etc are maintained. • Track AUX adherence and ensure discipline is maintained within the team. •Drive sales and ensure achieving the same Month on Month. •Identifying training requirements within the team and getting the training conducted •To work on overall team development
•To manage a team of Team leaders and Sales associates • Analysing CMS reports related to the process and ensure discipline adherence. • Conducting effective resource planning to maximize the productivity of resources (people, technology etc.) • To conduct monthly performance reviews of Team leaders to evaluate their performance. • Achieve growth and hit sales targets by successfully managing the sales team. • Own recruiting, objectives setting, coaching and performance monitoring of Sales associates. • Project Implementation • Process and system development. • Identifying training requirements within the team and getting the training conducted • Presenting data to Senior Management (need Basis)
1. Developing and executing comprehensive strategies to drive the sales of unsecured business loan products through Direct Selling Agents (DSAs) and managing a team of sales professionals within the designated cluster. 2. Recruiting, training, and managing DSAs and sales teams, ensuring their adherence to company policies and guidelines. 3. Overseeing the identification and acquisition of potential business clients through the DSAs, while maintaining strong relationships with key stakeholders and partners. 4. Conducting thorough financial assessments of potential clients and ensuring the customization of appropriate loan solutions that align with their specific business needs and financial capabilities. 5. Monitoring and driving the performance of DSAs and sales teams to meet and exceed sales targets, providing guidance, training, and support as necessary. 6. Analyzing market trends, customer feedback, and competition within the cluster's area to make informed business decisions and adjust sales strategies accordingly. 7. Collaborating with internal teams to streamline the loan application process, ensuring compliance with regulatory guidelines and company policies. 8. Providing comprehensive reports on sales activities, team and DSA performance, and market insights to senior management.
*Sales Strategy Development*: Create and execute strategic sales plans to drive business growth, analyzing market trends and competitor activities. - *Team Leadership*: Manage and lead a team of sales representatives, providing guidance, coaching, and support to maximize sales effectiveness. - *Client Relationship Management*: Build and maintain strong relationships with key clients, identifying new business opportunities and ensuring customer satisfaction. - *Market Analysis*: Analyze market trends, identifying growth opportunities and potential risks, and adjust sales strategies accordingly. - *Sales Forecasting and Budgeting*: Prepare sales forecasts and budgets, monitoring sales performance and adjusting plans as needed. - *Compliance*: Ensure compliance with regulatory requirements and financial regulations.
*Sales Strategy Development*: Create and execute strategic sales plans to drive business growth, analyzing market trends and competitor activities. - *Team Leadership*: Manage and lead a team of sales representatives, providing guidance, coaching, and support to maximize sales effectiveness. - *Client Relationship Management*: Build and maintain strong relationships with key clients, identifying new business opportunities and ensuring customer satisfaction. - *Market Analysis*: Analyze market trends, identifying growth opportunities and potential risks, and adjust sales strategies accordingly. - *Sales Forecasting and Budgeting*: Prepare sales forecasts and budgets, monitoring sales performance and adjusting plans as needed. - *Compliance*: Ensure compliance with regulatory requirements and financial regulations.
1. Developing and executing comprehensive strategies to drive the sales of unsecured business loan products through Direct Selling Agents (DSAs) and managing a team of sales professionals within the designated cluster. 2. Recruiting, training, and managing DSAs and sales teams, ensuring their adherence to company policies and guidelines. 3. Overseeing the identification and acquisition of potential business clients through the DSAs, while maintaining strong relationships with key stakeholders and partners. 4. Conducting thorough financial assessments of potential clients and ensuring the customization of appropriate loan solutions that align with their specific business needs and financial capabilities. 5. Monitoring and driving the performance of DSAs and sales teams to meet and exceed sales targets, providing guidance, training, and support as necessary. 6. Analyzing market trends, customer feedback, and competition within the cluster's area to make informed business decisions and adjust sales strategies accordingly. 7. Collaborating with internal teams to streamline the loan application process, ensuring compliance with regulatory guidelines and company policies. 8. Providing comprehensive reports on sales activities, team and DSA performance, and market insights to senior management.
1. Developing and executing comprehensive strategies to drive the sales of unsecured business loan products through Direct Selling Agents (DSAs) and managing a team of sales professionals within the designated cluster. 2. Recruiting, training, and managing DSAs and sales teams, ensuring their adherence to company policies and guidelines. 3. Overseeing the identification and acquisition of potential business clients through the DSAs, while maintaining strong relationships with key stakeholders and partners. 4. Conducting thorough financial assessments of potential clients and ensuring the customization of appropriate loan solutions that align with their specific business needs and financial capabilities. 5. Monitoring and driving the performance of DSAs and sales teams to meet and exceed sales targets, providing guidance, training, and support as necessary. 6. Analyzing market trends, customer feedback, and competition within the cluster's area to make informed business decisions and adjust sales strategies accordingly. 7. Collaborating with internal teams to streamline the loan application process, ensuring compliance with regulatory guidelines and company policies. 8. Providing comprehensive reports on sales activities, team and DSA performance, and market insights to senior management.
*Sales Strategy Development*: Create and execute strategic sales plans to drive business growth, analyzing market trends and competitor activities. - *Team Leadership*: Manage and lead a team of sales representatives, providing guidance, coaching, and support to maximize sales effectiveness. - *Client Relationship Management*: Build and maintain strong relationships with key clients, identifying new business opportunities and ensuring customer satisfaction. - *Market Analysis*: Analyze market trends, identifying growth opportunities and potential risks, and adjust sales strategies accordingly. - *Sales Forecasting and Budgeting*: Prepare sales forecasts and budgets, monitoring sales performance and adjusting plans as needed. - *Compliance*: Ensure compliance with regulatory requirements and financial regulations.
1. Developing and executing comprehensive strategies to drive the sales of unsecured business loan products through Direct Selling Agents (DSAs) and managing a team of sales professionals within the designated cluster. 2. Recruiting, training, and managing DSAs and sales teams, ensuring their adherence to company policies and guidelines. 3. Overseeing the identification and acquisition of potential business clients through the DSAs, while maintaining strong relationships with key stakeholders and partners. 4. Conducting thorough financial assessments of potential clients and ensuring the customization of appropriate loan solutions that align with their specific business needs and financial capabilities. 5. Monitoring and driving the performance of DSAs and sales teams to meet and exceed sales targets, providing guidance, training, and support as necessary. 6. Analyzing market trends, customer feedback, and competition within the cluster's area to make informed business decisions and adjust sales strategies accordingly. 7. Collaborating with internal teams to streamline the loan application process, ensuring compliance with regulatory guidelines and company policies. 8. Providing comprehensive reports on sales activities, team and DSA performance, and market insights to senior management.
*Sales Strategy Development*: Create and execute strategic sales plans to drive business growth, analyzing market trends and competitor activities. - *Team Leadership*: Manage and lead a team of sales representatives, providing guidance, coaching, and support to maximize sales effectiveness. - *Client Relationship Management*: Build and maintain strong relationships with key clients, identifying new business opportunities and ensuring customer satisfaction. - *Market Analysis*: Analyze market trends, identifying growth opportunities and potential risks, and adjust sales strategies accordingly. - *Sales Forecasting and Budgeting*: Prepare sales forecasts and budgets, monitoring sales performance and adjusting plans as needed. - *Compliance*: Ensure compliance with regulatory requirements and financial regulations.
*Sales Strategy Development*: Create and execute strategic sales plans to drive business growth, analyzing market trends and competitor activities. - *Team Leadership*: Manage and lead a team of sales representatives, providing guidance, coaching, and support to maximize sales effectiveness. - *Client Relationship Management*: Build and maintain strong relationships with key clients, identifying new business opportunities and ensuring customer satisfaction. - *Market Analysis*: Analyze market trends, identifying growth opportunities and potential risks, and adjust sales strategies accordingly. - *Sales Forecasting and Budgeting*: Prepare sales forecasts and budgets, monitoring sales performance and adjusting plans as needed. - *Compliance*: Ensure compliance with regulatory requirements and financial regulations.
*Sales Strategy Development*: Create and execute strategic sales plans to drive business growth, analyzing market trends and competitor activities. - *Team Leadership*: Manage and lead a team of sales representatives, providing guidance, coaching, and support to maximize sales effectiveness. - *Client Relationship Management*: Build and maintain strong relationships with key clients, identifying new business opportunities and ensuring customer satisfaction. - *Market Analysis*: Analyze market trends, identifying growth opportunities and potential risks, and adjust sales strategies accordingly. - *Sales Forecasting and Budgeting*: Prepare sales forecasts and budgets, monitoring sales performance and adjusting plans as needed. - *Compliance*: Ensure compliance with regulatory requirements and financial regulations.
To manage a team of Team leaders and Sales associates Analysing CMS reports related to the process and ensure discipline adherence. Conducting effective resource planning to maximize the productivity of resources (people, technology etc.) To conduct monthly performance reviews of Team leaders to evaluate their performance. Achieve growth and hit sales targets by successfully managing the sales team. Own recruiting, objectives setting, coaching and performance monitoring of Sales associates. Project Implementation Process and system development. Identifying training requirements within the team and getting the training conducted Presenting data to Senior Management (need Basis) Show more Show less
As a Sales Strategy Development specialist, you will be responsible for creating and executing strategic sales plans to drive business growth. This includes analyzing market trends and competitor activities to stay ahead in the industry. Your role will also involve Team Leadership, where you will manage and lead a team of sales representatives. Providing guidance, coaching, and support to maximize sales effectiveness will be crucial in this aspect. Client Relationship Management is another key component of this position. You will be required to build and maintain strong relationships with key clients. Identifying new business opportunities and ensuring customer satisfaction will be essential for success in this area. Market Analysis is also a significant part of the role. You will need to analyze market trends, identify growth opportunities, and potential risks. Based on this analysis, you will adjust sales strategies accordingly to stay competitive. In addition, Sales Forecasting and Budgeting will be part of your responsibilities. You will need to prepare sales forecasts and budgets, monitor sales performance, and adjust plans as needed to achieve targets. Compliance is also vital in this role. You will be responsible for ensuring compliance with regulatory requirements and financial regulations to maintain integrity and trust in the business operations.,
Job Title: Digital & Campaign Manager – Collections Location: Pune – Head Office Reporting To: Head – Collections Strategy Role Overview: The Digital & Campaign Manager – Collections is responsible for designing, executing, and optimizing digital outreach strategies to improve collections performance. This role involves managing digital vendors, campaign platforms, and analytics to drive customer engagement and recovery across delinquency buckets. Key Responsibilities: 1. Digital Campaign Strategy Design and execute multi-channel digital campaigns (SMS, email, WhatsApp, IVR, chatbots) tailored to customer segments and delinquency stages. Develop and maintain a campaign calendar aligned with business priorities and regulatory guidelines. Collaborate with internal teams to align messaging, tone, and escalation protocols. Utilize the campaign builder platform to configure and allocate customer segments across delinquency buckets, channels, and vendors. Ensure dynamic allocation logic based on risk scores, payment behaviour, and campaign responsiveness. Continuously monitor and refine allocation rules to optimize recovery outcomes and operational efficiency. 2. Vendor Management Manage digital campaign vendors and platforms, ensuring performance, compliance, and seamless integration with internal systems (CFRs, dialers, Filed App). Track vendor KPIs such as engagement rate, PTP conversion, and recovery performance. Conduct regular reviews, audits, and innovation pilots with vendor partners. 3. Analytics & Optimization Leverage campaign analytics to monitor performance and identify improvement opportunities. Use A/B testing, segmentation analysis, and predictive modeling to refine outreach strategies. Maintain structured MIS to track campaign outcomes and support decision-making. 4. Compliance & Documentation Prepare and maintain documentation for compliance audits and Operational Risk Management (ORM). Ensure all campaigns and vendor activities adhere to RBI guidelines, data privacy norms, and internal policies. Collaborate with legal and compliance teams to update SOPs and risk control matrices. Qualifications & Skills: Education: Bachelor’s or Master’s degree in Marketing, Business, Analytics, or related field. Experience: 5–10 years in digital marketing, collections strategy, or campaign management. Experience in financial services, NBFCs, or fintech preferred. Technical Skills: Proficiency in campaign platforms (e.g., Twilio, FICO CCS, Genesys), SQL, and visualization tools (Power BI/Tableau). Familiarity with CRM systems, CFRs, and data integration workflows. Understanding of compliance frameworks and ORM documentation. Soft Skills: Strong analytical and problem-solving abilities. Excellent communication and stakeholder management. Ability to work in a fast-paced, cross-functional environment.
Job Title: Strategy and Analyst – Collections Department: Collections Strategy Location: Pune – Head Office Reporting To: Head – Collections Strategy Role Overview: The Strategy and Analyst – Collections is responsible for driving data-backed strategies to optimize collections performance across portfolios. This role involves deep analysis of customer behaviour, delinquency trends, and operational metrics to design and implement effective collection strategies, segmentation models, and performance dashboards. Key Responsibilities: Strategic Planning & Execution Execution of defined collections strategies across buckets (early, mid, late-stage delinquency). Collaborate with cross-functional teams (Operations, Risk, Data Science) to implement segmentation and treatment strategies. Monitor strategy effectiveness and recommend course corrections based on performance metrics. Manage digital campaign vendors responsible for multi-channel outreach (SMS, email, WhatsApp, IVR, chatbots) to delinquent customers. Oversee vendor performance across engagement, conversion, and compliance metrics. Ensure seamless integration with internal systems (CFRs, dialers, Filed App) and adherence to regulatory guidelines. Data Analysis & Insights Analyze portfolio performance, customer repayment behaviour, and operational KPIs. Build predictive models and scorecards in collaboration with the Data Science team. Identify trends, root causes of delinquency, and opportunities for automation or process improvement. Leverage campaign analytics to monitor vendor performance across key metrics such as contact rate, engagement, promise-to-pay (PTP) conversion, and payment realization. Collaborate with vendors and internal teams to ensure data-driven decision-making and continuous campaign refinement Performance Management Design and maintain dashboards for real-time tracking of collections metrics. Support monthly and quarterly reviews with insights and recommendations. Track agency/vendor performance and suggest optimization strategies. Design and maintain a digital collections campaign calendar aligned with delinquency buckets, customer segments, and business priorities. Track campaign outcomes through structured MIS covering contact rates, engagement, PTP conversions, and recovery performance. Use insights from MIS to refine campaign strategy, vendor allocation, and channel mix for improved effectiveness. Compliance & Risk Ensure strategies comply with regulatory guidelines and internal risk policies. Support audits and regulatory reporting with relevant data and documentation. Prepare and maintain comprehensive collections documentation to support compliance audits, regulatory reviews, and Operational Risk Management (ORM) requirements. Qualifications & Skills: Education: Bachelor’s or Master’s degree in Business, Finance, Economics, Statistics, or related field. Experience: 3–7 years in collections strategy, credit risk, or financial analytics. Experience in Collections for unsecured lending, retail banking, or NBFC preferred. Technical Skills: Proficiency in SQL, Excel, and visualization tools (Power BI/Tableau). Familiarity with Python/R and statistical modeling is a plus. Understanding of collections systems and CFRs. Soft Skills: Strong analytical and problem-solving skills. Excellent communication and stakeholder management. Ability to work in a fast-paced, dynamic environment.
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