Collection Lead-Strategy

Job Summary

As a Team Lead – Collections at our high-growth organization, you will own and drive end-to-end collections programs and campaigns across in-house and third-party collection partners.

This is a B3-level role focused on strategic ownership, project execution, and stakeholder management, with direct accountability for improving delinquencies, optimizing cost-to-collect, and ensuring compliance at scale. You will manage complex collections initiatives—from campaign design and vendor strategy to execution tracking and post-launch optimization—while mentoring junior analysts and acting as a key thought partner to our Product, Tech, Compliance, and Legal teams. This role requires a strong blend of data-driven problem-solving, vendor leadership, and program management.

Responsibilities

1. End-to-End Collections Program & Campaign Ownership

• Own the design, execution, and optimization of multiple collections campaigns across delinquency buckets (early, mid, late, write-off).

• Translate business objectives into clear project plans, including scope, timelines, KPIs, risks, and success metrics.

• Drive pilot programs and scale successful initiatives across portfolios and geographies.

• Lead bucket-level strategy including allocation logic, payout structures, channel mix, and treatment optimization.

• Conduct post-campaign deep dives to assess impact on net flows, roll rates, delinquencies, and cost efficiency.

2. Agency Strategy, Governance & Performance Leadership

• Own the agency ecosystem strategy including onboarding, allocation, performance governance, and exits.

• Lead weekly agency performance reviews, performance calibrations, and payout discussions.

• Define and track clear success metrics for agencies including productivity, quality, compliance, and customer experience.

• Make data-backed recommendations on vendor selection, allocation optimization, and incentive redesign.

• Ensure agencies consistently adhere to internal and government body compliance standards, scripts, and regulatory requirements.

3. Data-Driven Decision Making & Advanced MIS

• Define the north-star metrics for collections performance across buckets and channels.

• Own advanced MIS dashboards covering:

  • Net flows & recovery curves

  • Roll rates & delinquency movement

  • Agency-level ROI & cost-to-collect

  • Campaign-wise performance vs. control groups

• Use data to proactively identify risks, inefficiencies, and opportunities for automation or process improvement.

• Partner with Analytics/Data teams to improve data availability, accuracy, and self-serve reporting.

4. Cross-Functional Stakeholder Management

• Act as the collections SPOC for cross-functional projects with Product, Tech, Compliance, Legal, and Customer Support.

• Lead collections workstreams for new product launches, policy changes, or system enhancements.

• Influence roadmap prioritization by articulating collections impact, trade-offs, and operational feasibility.

• Manage escalations thoughtfully, balancing customer experience, risk, and recovery outcomes.

5. Process Excellence, Compliance & Quality Assurance

• Own documentation and continuous improvement of collections SOPs, QA frameworks, and governance models.

• Design and monitor QA mechanisms to ensure script adherence and ethical collections practices.

• Identify gaps in processes or controls and lead remediation initiatives end-to-end.

• Stay updated on regulatory requirements and ensure readiness for audits and reviews.

6. Team Leadership & Capability Building

• Mentor and guide junior analysts and campaign managers.

• Review analyses, challenge assumptions, and raise the overall bar on problem-solving and execution quality.

• Foster a culture of ownership, accountability, and continuous improvement within the collections team.

Qualifications

Must Have:

• 4–7 years of experience in collections, risk, or analytics (Fintech / NBFC / Lending preferred).

• Proven experience owning projects or programs end-to-end, not just reporting or execution.

• Strong understanding of collections metrics: roll rates, net flows, delinquency buckets, cost-to-collect, vendor ROI.

• Advanced Excel skills with the ability to independently analyze large datasets and present insights.

• Excellent stakeholder management and communication skills, including senior leadership interactions.

• Demonstrated ability to drive change, improve processes, and lead initiatives independently.

Good to Have:

• Experience managing multiple third-party collection agencies at scale.

• Exposure to SQL / dashboards / BI tools.

• Experience working in fast-paced, ambiguous environments or early-stage fintechs.

• Prior people management or mentoring experience.

Benefits of Joining

• Competitive salary and equity package.

• Fast-paced, collaborative, and high-autonomy work culture.

• Hybrid work setup designed for flexibility and work-life balance.

• Fully paid group medical insurance and personal accident insurance.

• Generous paid time off, plus company-declared public holidays.

• Fully paid parental leave for fathers and non-birthing parents (12 weeks), in addition to 26 weeks of statutory maternity leave.

• Monthly WFH stipend, along with a one-time home office setup budget.

• $500 annual professional development budget.