Lead-Collections Strategy_Comm. Bank HO & Support_0662_1288_1100877_HRR

Key Responsibilities

Develop and manage collections strategies across early, mid, and late 

delinquency stages for secured and unsecured portfolios.

Analyze portfolio performance, customer behavior, roll rates, cure 

rates, recovery trends, and loss metrics to identify opportunities for 

improvement.

Design segmentation-based collection treatments using risk 

indicators, customer profiles, and repayment behavior.

Monitor and optimize collections performance through data-driven 

interventions and champion-challenger strategy testing.

Drive digital and analytics-led collections initiatives including 

predictive models, automated campaigns, and customer engagement 

strategies.

Collaborate with risk, business, operations, analytics, and technology 

teams for strategy implementation and policy enhancements.

Prepare periodic MIS, dashboards, portfolio reviews, and 

management presentations highlighting collections performance and 

key action items.

Ensure adherence to regulatory guidelines, internal policies, audit 

requirements, and fair collection practices.

Evaluate agency and field collections performance and recommend 

optimization measures.

Support collections budgeting, forecasting, and target-setting 

exercises.

Desired Candidate Profile

Education

• Bachelor's degree in Finance, Commerce, Economics, Engineering, Statistics, or related discipline.
• MBA/PGDM preferred.

Experience

• 6-10 years of experience in Collections Strategy, Credit Risk, Portfolio Analytics, Collections Analytics, or Retail Asset Management.
• Strong understanding of lending products such as Personal Loans, Credit Cards, Commercial Vehicles, Auto Loans, Business Banking, or SME lending.
• Experience in collections policy formulation and portfolio performance management.