Collection Strategy Support

Strategy Support - DSMG - Retail MFB - Strategy - Mumbai - Lodha (I-Think Techno Campus) - JM

Key Responsibilities:
1. Collection Strategy & Execution
•    Develop and implement bucket-wise collection strategies for Bucket 1 and above to minimize slippages.
•    Monitor and analyze delinquency trends, identifying customer segment, high-risk accounts for proactive follow-up and early resolution.
•    Implement targeted collection actions based on risk segmentation, using behavioral and payment history analytics.
•    Work closely with the collections team, field agents, and legal teams to improve recovery rates and ensure timely resolution.
•    Leverage digital and automated collection strategies, including AI-based reminders, IVR calls, and self-service payment portals to improve repayment efficiency.
2. Performance Monitoring & Reporting
•    Track collection efficiency metrics (CE, Roll Back, Flow Rate, and Recovery Rate) for different buckets to measure effectiveness.
•    Conduct portfolio segmentation to identify risk patterns and suggest corrective actions for post PDM delinquencies.
•    Provide regular MIS reports and insights to senior management on collections performance, highlighting areas for improvement.
3. Technology & Process Optimization
•    Leverage analytics and automation tools to streamline collection processes and improve efficiency.
•    Work on predictive modeling to identify potential defaulters and prioritize follow-ups for high-risk accounts.
•    Collaborate with IT and Fintech partners to enhance digital repayment options, payment gateways, and chatbot-based collections.
4. Compliance & Risk Management
•    Ensure adherence to RBI and NBFC regulations in collections and recovery practices.
•    Implement customer-centric collection approaches to maintain brand reputation and minimize legal risks.
•    Work with legal and compliance teams to manage escalated recovery cases, settlements, and dispute resolution.
5. Stakeholder & Team Coordination
•    Work closely with the collections, risk, finance, and customer service teams to align recovery strategies.
•    Assist in training and upskilling collection officers on best practices, customer interaction techniques, and regulatory compliance.
Key Skills & Competencies:
✅ Expertise in bucket-wise collections strategy for post PDM delinquencies (Bucket 1 & above)
✅ Strong analytical skills for portfolio segmentation & risk assessment
✅ Hands-on experience with digital collection tools (auto-dialers, AI chatbots, fintech integrations)
✅ Proficiency in Excel, SQL, and BI tools for MIS reporting & performance tracking
✅ Knowledge of RBI guidelines & legal recovery processes
✅ Excellent stakeholder management & communication skills

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