You can become a part of …

… a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business

and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally.

We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect — and we do it all together.

Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game”!

In this role, you have the opportunity to …

 Be a part of the team building the definitive financial services platform for the consumer community in India.

 Be responsible for developing & growing one of the first successful implementations of lending based on velocity-led underwriting in this part of the world.

 To straddle zero-to-one experiments and expanding the scope of proven projects as we focus on blitz scaling our revenue growth.

Responsibilities will include …

Functional Expertise

 Managing Collection for Unsecured Loans through a large network of Collections Agencies.

 Achieving collection targets assigned at Product level by meeting collection target for the states and region assigned.

 Keeping the write off per cent within risk pricing. Control portfolio in terms of bucket flows.

 Managing and put support mechanism for legal / police issues.

 Ensuring audit queries are complied with, ensuring corrective and preventive action.

 Managing productivity by fixing productivity parameters for collection managers / agencies

 Monitoring performance against set parameters and daily / monthly review of State Collection Teams

 Recruiting and managing a team of collection officer’s / area managers.

 Constant evaluation of collection officer’s/area managers.

 Handling customer issues / escalations.

Interaction

 Time to Time feedback on the basis of field operations for betterment of lending process.

 Establish effective working relationships with functional and cross functional teams to implement innovative and competitive strategies related to field collection activities.

Problem solving

 Ensuring Regulatory guidelines are compiled for entire collection structure in letter and spirits.

 Ensuring that the collection agencies and executives adhere to the legal guidelines provided by the law in force

 Ensuring 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.

 Ensuring documented feedback and action taken on all cases

 Ensuring adequate infra is available area-wise / bucket-wise / segment-wise.

To succeed in the role

Impact

 Ensure extraction from lower DPD’s and keep the flows to higher buckets under control

 Recovery from NPA Pool

Challenges & Decisions

 Evaluate the cost and find measures to reduce the cost.

 Working in a highly fast paced, challenging & competitive landscape

 Along with meeting collection targets, studying the portfolio and give constructive

feedback on how to improve the processes

Qualification & Experience (type & industry)

 Graduate or Post-Graduate

 10-12 years of field collection experience

Skills & know-how

 In Depth Knowledge of Parameters to be tracked for field Collection agencies.

 Good Analytical Skills.

 Capable of formulating field collection strategy

 Preference to those who have managed unsecured collections in a Fintech.

 Problem solving and decision-making skills

 People Management skills

Behaviors

 A curious mind and a mastery over understanding the product deeply

 Strong execution capabilities and rigor – you are not afraid to get your hands dirty, are detail oriented and stay on top of things to ensure you deliver consistently