Strategy Support Sales Team - DSMG

Pre-Delinquency Management (PDM) Strategy & Early Risk Mitigation

• Develop a proactive PDM strategy to identify customers at risk of missing payments before they enter delinquency.
• Utilize in house tool AI-based risk models, BI Dashboard and early warning signals (EWS) to segment high-risk borrowers and implement early interventions.
• Implement automated digital engagement (SMS, WhatsApp, IVR calls, emails, in-app notifications) to encourage timely payments.
• Work closely with sales team and DSMG to improve collection efficiency in X bucket along with customer onboarding and risk profiling for better portfolio quality.
• Introduce customer education programs and financial literacy initiatives to promote responsible repayment behavior.

X-Bucket Recovery & Loss Mitigation

• Develop and execute high-delinquency (X-Bucket) recovery strategies to maximize collections from aged overdue accounts.
• Coordinate with legal, arbitration, and settlement teams to resolve X-Bucket cases through legal and out-of-court settlements.
• Implement skip tracing, asset repossession, and field collection strategies for untraceable or non-responsive customers.
• Strengthen recovery agent networks and external collection agency collaborations for high-risk accounts.
• Design performance-linked incentives and collection efficiency targets for X-Bucket recovery teams.

Digital & Technology-Based Collections

• Leverage LMS, CRM, and AI-driven analytics to track repayment behavior and optimize collection strategies.
• Implement self-service payment portals, digital repayment links, and fintech partnerships for seamless recoveries.
• Explore automated chatbots and AI-driven reminders to enhance early-stage interventions and X-Bucket recoveries.
• Work with BI teams to develop risk-based dashboards for tracking PDM and X-Bucket performance.

Compliance, Risk, & Customer-Centric Approach

• Ensure strict adherence to RBI/NBFC collection regulations and ethical collection practices.
• Work with risk and compliance teams to handle fraud-related cases in delinquency and X-Bucket segments.
• Implement fair and customer-friendly resolution approaches while maintaining collection efficiency.

Performance Monitoring & MIS Reporting

• Track PDM effectiveness, delinquency roll-back rates, and X-Bucket recovery trends through data analytics.
• Provide detailed MIS reports and insights to senior management for strategy improvements.
• Analyze root causes of slippages and propose corrective measures for portfolio stabilization.

Individual Contributor & Cross-Functional Collaboration

• Handle high-value and sensitive X-Bucket accounts for direct resolution and settlement negotiations.
• Collaborate with collections, legal, sales, and risk teams to align strategies and improve overall portfolio performance.
• Train and mentor collection officers and recovery agents on best practices in PDM and X-Bucket recoveries.

Key Skills & Competencies:

Expertise in Pre-Delinquency (PDM) management and X-Bucket recovery strategies

Strong analytical skills in delinquency forecasting, risk segmentation, and collections optimization

Experience with digital collection tools, AI-based analytics, and fintech repayment solutions

Proficiency in Excel, SQL, and BI tools for performance tracking & reporting

Knowledge of RBI/NBFC collection regulations and ethical recovery practices

Excellent stakeholder management, negotiation, and compliance handling skills

Qualifications : MBA/PGDM in Finance, Business, or a related field.