Role Overview :
We are looking for a Digital Collections Strategy Manager to lead pre-delinquency and
early-stage risk management programs for our partner lending institutions. The role will
involve designing, deploying, and optimizing data-driven borrower engagement
strategies that proactively reduce delinquency and improve portfolio health.
Key Responsibilities :
1. Strategy & Design
- Develop and implement digital pre-delinquency management frameworks using
borrower segmentation, behavioural analytics, and risk signals.
Define preventive engagement journeys (SMS, WhatsApp, email, IVR, appnotifications, etc.) to encourage timely repayment and reduce roll rates.
Partner with client institutions to design custom strategies aligned to their portfoliomix (personal loans, credit cards, consumer durable finance, etc.).
2. Execution & Optimization
Manage execution of multi-channel digital campaigns via Company's DCM platform.Continuously analyse borrower responses and payment behaviours to refinemessaging, timing, and channel effectiveness.
Collaborate with Product and Data Science teams to test and iterate on predictivemodels for delinquency prevention.
Private & Confidential
3. Client & Stakeholder Management
Work closely with client collection heads and risk teams to align pre-delinquencyinitiatives with business objectives.
Present performance insights and dashboards, highlighting strategy impact on keymetrics such as DPD roll rates, cure rates, and collection efficiency.
Train client operations teams on digital engagement best practices.4. Cross-Functional Collaboration
Collaborate with internal Product, Analytics, and Customer Success teams to driveproduct improvements based on client feedback.
Support integration with client LMS / CRM systems for real-time borrower insights.Qualifications & Experience :
5–8 years of experience in collections strategy, credit risk, or portfoliomanagement, preferably in banks, NBFCs, or fintechs.
Strong understanding of retail lending products and collections lifecycle, particularlypre-delinquency and early-stage (0–30 DPD) management.
Experience working with digital channels, communication platforms, and analyticstools.
Hands-on experience in A / B testing, segmentation, and campaign optimization.Proficiency in Excel / SQL / Tableau / Power BI; exposure to CRM or collectionmanagement platforms is a plus.
Excellent communication and stakeholder management skills.What We Offer :
Opportunity to shape the future of digital collections and borrower engagement inIndia.
Collaborative, high-growth environment with cross-functional exposure acrossproduct, strategy, and analytics.
Competitive compensation and performance-linked incentives.