Collections Manager - Digital Lending

Collections Manager – Digital Lending

(Rich experience in leading Tele-collection teams is mandatory)

Company: Vaibhav Vyapaar Limited (LoanFront)

Location: Bommanahalli, Bengaluru (Work from Office)

Department: Collections

Reporting To: COO

About the Company

Vaibhav Vyapaar Limited is an RBI-registered NBFC operating the LoanFront digital lending platform, providing unsecured personal loans to salaried and self-employed customers across India through a fully digital process. The company emphasizes technology-driven lending, regulatory compliance, and customer-centric collections.

Job Summary

We are looking for an experienced Collections Manager to lead end-to-end collections for our digital lending portfolio. The role involves managing delinquent accounts across various DPD buckets, improving recovery performance, leading tele-collections, managing collection agencies, ensuring RBI compliance, and using analytics to optimize collection strategies.

The ideal candidate should have strong experience in unsecured lending collections within NBFCs, fintechs, or digital lending companies.

Key Responsibilities

Portfolio Management

• Manage collection performance across all delinquency buckets (1–180+ DPD).
• Drive reduction in roll rates and delinquency.
• Improve collection efficiency and recovery percentages.
• Monitor bucket movement and portfolio health.
• Achieve monthly recovery targets.

Strategy & Analytics

1. Develop bucket-wise collection strategies.
2. Analyze repayment trends and customer behavior.
3. Monitor:

• Collection Efficiency
• Roll Rate
• Cure Rate
• Resolution Rate
• PTP Success
• Broken Promise Rate
• NPA Movement
• Recommend strategy improvements based on data.

Team Management

• Lead tele-calling collection teams.
• Supervise Team Leaders and Collection Executives.
• Set daily and monthly KPIs.
• Conduct performance reviews.
• Coach low-performing agents.

Agency Management

• Manage third-party collection agencies.
• Allocate portfolios.
• Monitor agency productivity.
• Conduct audits and scorecards.
• Ensure SLA compliance.

Digital Collections

1. Increase digital repayment adoption through:

• UPI
• Payment links
• BBPS
• Auto-debit/eNACH
• WhatsApp reminders
• SMS campaigns

2. Work with Product and Technology teams to improve digital recovery journeys.

Compliance

1. Ensure strict adherence to:

• RBI Digital Lending Guidelines
• RBI Fair Practices Code
• Internal Collection Policy
• Customer Privacy Guidelines

2. Monitor call quality.

3. Ensure no harassment or unfair recovery practices.

4. Handle regulatory escalations and complaints.

Stakeholder Management

Collaborate closely with:

1. Risk
2. Credit
3. Product
4. Customer Support
5. Operations
6. Legal
7. Compliance

Reporting

Prepare and present:

1. Daily MIS
2. Recovery reports
3. DPD reports
4. Roll rate analysis
5. Productivity dashboards
6. Senior management reviews

Required Skills

• Digital Lending Collections
• Unsecured Loan Collections
• Portfolio Management
• Team Management
• Negotiation Skills
• Customer Resolution
• Collection Analytics
• CRM & Dialer Systems

Eligibility

• Graduate in any discipline.
• MBA preferred.
• 5–8 years of tele-collections experience.
• At least 2–3 years in a managerial role.

Experience in:

• Digital Lending
• Fintech
• NBFC
• Personal Loans
• Consumer Lending

Preferred Industry Experience

• Digital Lending
• FinTech
• NBFC
• Personal Loans
• Instant Loans

Key Performance Indicators (KPIs)

• Collection Efficiency (%)
• Recovery Amount
• Roll Rate
• Cure Rate
• Resolution Rate
• PTP Kept %
• Agency Productivity
• Team Productivity
• Cost per Recovery
• Digital Payment Adoption
• NPA Reduction
• Complaint Ratio
• Regulatory Compliance Score

Tools

• Auto Dialer
• Loan Management System (LMS)
• Google Sheets
• Payment Gateway Dashboards

Apply Now:

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