Deputy General Manager - Collections and Debt Recovery

Deputy General Manager - Collections

ABOUT TIDE

At Tide we help SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions from invoicing to accounting.

Tide is transforming the small business banking market with over 1.8 million members globally across the UK, India, Germany and France.

Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data-driven decisions to serve our mission: to help SMEs save both time (and money) so they can get back to doing what they love.

Tide facts:

• Tide is available for UK, Indian, German and French SMEs
• Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly
• Over $300 million raised in funding
• Over 2,500 Tideans globally - we’re diversity champions!
• We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram and New Delhi, and in Berlin, Paris and Luxembourg.

ABOUT THE TEAM: 

As the DGM of Collections, you will be the architect of Tide India’s debt management and recovery strategy. You will lead the end-to-end collections lifecycle—from early-stage delinquency to legal recovery—ensuring high recovery rates while maintaining Tide’s brand reputation and providing a positive member experience

ABOUT THE ROLE: 

• • Strategy & Framework: Design and implement a robust collections and recovery strategy for SME lending products (Unsecured Business Loans, Credit Lines, etc.).
  • Agency Management: Onboard, manage, and audit third-party collection agencies (DCA) across India, ensuring they adhere to Tide’s ethical standards and RBI guidelines.
  • Digital Transformation: Leverage data analytics and automation to move from traditional "calling-only" models to a digital-first approach (WhatsApp, automated IVR, personalized nudges).
  • Compliance & Risk: Ensure 100% compliance with RBI’s Fair Practice Code and debt collection guidelines. Mitigate operational and reputational risks.
  • Performance Monitoring: Track key metrics such as Roll Rates, Resolution Rates, Cost of Collections, and Net Credit Loss (NCL).
  • Stakeholder Management: Work closely with the Risk, Product, and Legal teams to provide feedback on portfolio quality and refine credit underwriting models based on collection insights.

WHAT WE ARE LOOKING FOR:

• Experience: 12–15+ years in Collections/Recovery within the Indian financial landscape (Fintech, NBFC, or Private Banks).
• Domain Expertise: Deep understanding of the SME/MSME segment and unsecured lending recovery.
• Regulatory Knowledge: Expert-level knowledge of Indian banking regulations, SARFAESI Act, and legal recovery processes (Section 138, Lok Adalat).
• Leadership: Proven track record of managing large distributed teams and external vendors.2
• Tech-Savvy: Comfortable working with CRM tools, LOS/LMS systems, and data visualization platforms (like Looker or Tableau).

 

 

 

TIDE IS A PLACE FOR EVERYONE

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. 

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

 

At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.

  Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide.co email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

 

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.

Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

Experience Level

Mid Level