6 Collection Strategy Jobs

About Credit Saison India Established in 2019, Credit Saison India is one of the country's fastest-growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending, and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model, coupled with underwriting capability, facilitates lending at scale, meeting India's significant gap for credit, especially with underserved and underpenetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long term, focusing on MSMEs, households, individuals, and more. It is registered with the Reserve Bank of India (RBI) and holds an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5 billion, and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners, and technology together, creating resilient and innovative financial solutions for a positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison's global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, and Brazil. Job Summary: We are seeking a data-driven and strategic professional to lead our collection strategy for retail and SME loans in India. The ideal candidate will develop, implement, and optimize debt collection strategies that improve recovery rates, reduce delinquency, and ensure compliance with regulatory guidelines. The role requires a strong understanding of analytics, collection processes, RBI regulations, and customer segmentation. Key Responsibilities: Strategy Development: Design and implement end-to-end collection strategies across delinquency buckets (soft, hard, and legal collections). Develop risk-based segmentation to prioritize accounts and personalize recovery actions. Optimize contact strategies (SMS, IVR, email, field visits, call center) based on customer behavior and risk profile. Portfolio Management: Monitor portfolio performance, delinquency trends, and recovery rates. Identify stress segments and design focused recovery campaigns. Analytics & Reporting: Use data analytics and machine learning models to forecast recoveries and predict roll rates. Work closely with the data science team to improve scoring models. Build dashboards and performance reports for senior management. Process Optimization: Drive automation and digitization of collections processes. Identify and fix bottlenecks in existing collection flows. Agency & Vendor Management: Onboard and manage third-party collection agencies and legal vendors. Define SLAs and ensure adherence to compliance and performance metrics. Compliance & Risk: Ensure adherence to RBI guidelines, fair practices code, and regulatory requirements. Mitigate reputational and operational risk through effective control mechanisms. Qualifications & Skills: Bachelors degree in Business, Finance, Economics, or related field; MBA preferred. 5-10 years of experience in debt collections, preferably in a fintech, NBFC, or bank. Experience in managing unsecured and secured loan portfolios. Strong knowledge of Indian regulatory framework (RBI, DRA guidelines, SARFAESI). Proficient in Excel, SQL, Power BI/Tableau; knowledge of SAS/R/Python is a plus. Excellent problem-solving, analytical, and communication skills. Experience in working with cross-functional teams (tech, legal, product, operations). Preferred: Exposure to collections strategy in digital lending or consumer finance. Experience with AI/ML-based collection scorecards or decision engines. Multilingual proficiency to deal with regional agencies across India.,

Duties and Responsibilities: To achieve collection targets of the Respective Branch assigned, ensuring meeting Collection Targets. Meeting the Target on Cost of Collections. Ensuring meeting Targets within cost limit specified on monthly basis.Ensuring legal guidelines are complied for entire collection structure in letter and sprits. Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force. Ensure adherence to the Code of Conduct. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities.

Position - Team Collections Manager -TFE-Hard Bucket-AGRI-FIN-TRACTOR LOANS AND RETAIL(TFE)-Recovery Branch Reporting to Location - Collection Manager Taking day-to-day collection status as well as taking end status of the cash deposited collected on day with team size of 5- 7 FOS for CV ,LCV and TFE products To handle all buckets from 0DPD to 270DPD Managing regular collection, NPA collection and legal collection. To Ensure Quality portfolio. To focus on improving Collections in the area assigned individually and in a team. To ensure adherence MOPP Norms. To adhere to the BANKS processes and procedures. To adhere to Audit requirement. To ensure Good Coordination between individuals in the Team and Branch in Particular. Manage high ticket size delinquent/non delinquent accounts directly Graduate/Post Graduate Minimum 5-7 years of collections experience with secured and unsecured products (Auto and commercial vehicle loans experience will be an advantage) Team Handling experience of minimum 2 years Excellent written & oral communication skills High energy and drive Hands-on experience of MS Office and Mail Management Passion for Collection Willing to Take challenges and responsibility Should have the ability to convince the customer to pay on our terms and conditions Maintain Cordial and Professional Relationship with all Customers. To Ensure Customers interaction is as per the Norms laid out by the Organizations.

Locations: Zonal Collections Head (South) Bangalore | Collection Manager (Recovery) Guwahati | Collection Manager Gwalior (MP) | Role Highlights: Responsible for managing auto loan (4-wheeler) collections portfolio Ensure legal compliance, debt recovery, and asset repossession Handle vendor management, audit controls, and team performance Daily MIS reviews and high-resolution achievement on 30+ & 90+ DPDs Requirements: Must have experience in Auto Loan Collections (4-wheeler) Good English communication (essential for Managerial roles) Skills & Competencies: Strong stakeholder & vendor management Target-oriented mindset Legal understanding of repossession/compliance Proficient in productivity reporting and field collections Apply Now: Send your resume simran.goyal@in.experis.com For details, contact: 8383087401

Duties and Responsibilities: To achieve collection targets of the Respective Branch assigned, ensuring meeting Collection Targets. Meeting the Target on Cost of Collections. Ensuring meeting Targets within cost limit specified on monthly basis. Ensuring legal guidelines are complied for entire collection structure in letter and sprits. Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force. Ensure adherence to the Code of Conduct. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities.

Manage and resolve customer grievances received through various channels (emails, calls, social media, regulatory bodies). Job Description: Escalation and Compliance Team Member Experience: Minimum 2 years in handling customer escalations, grievances, or compliance-related roles, preferably in the financial services or fintech sector Education: Graduate in any discipline (Law or Commerce background preferred) Certification: Knowledge of regulatory guidelines (RBI, NBFC) and DRA certification is an added advantage Key Responsibilities: Escalation Management: 1. Customer Grievance Handling: Manage and resolve customer grievances received through various channels (emails, calls, social media, regulatory bodies). Ensure timely resolution of Level 1 and Level 2 escalations, adhering to defined TAT (Turnaround Time). Maintain a customer-first approach while resolving escalations to protect the companys reputation. 2. Communication and Collaboration: Coordinate with internal departments (collections, legal, operations) to address customer issues effectively. Provide detailed responses to customers, explaining resolutions and any further actions needed. 3. Root Cause Analysis: Conduct root cause analysis for recurring grievances and suggest corrective measures. Prepare reports highlighting trends in customer complaints and recommend process improvements. Compliance Management: 1. Regulatory Adherence: Ensure all customer communication complies with regulatory guidelines (e.g., RBI). Assist in audits and ensure proper documentation of escalations and resolutions. 2. Policy and Process Implementation: Monitor compliance with company policies and procedures during customer interactions. Assist in developing SOPs for handling escalations and ensuring compliance with legal standards. 3. Documentation and Reporting: Maintain accurate records of escalations, resolutions, and compliance checks. Prepare regular compliance reports for management review. Key Skills and Requirements: Experience: Minimum 2 years in customer escalation handling or compliance roles, preferably in financial services. Education: Graduate in any discipline (Law or Commerce background preferred). Technical Skills: Proficiency in Excel and CRM systems for reporting and case management. Knowledge of legal and regulatory frameworks related to debt collection. Soft Skills: Strong communication and negotiation skills. Ability to handle difficult conversations with professionalism and empathy. Analytical Skills: Detail-oriented with the ability to identify patterns and trends in grievances. Critical thinking to suggest improvements in processes. Work Ethic: Organized, proactive, and focused on timely resolution.