National Collection Manager- Field SME Loans

KreditBee is India’s largest fintech lending platform with a current monthly disbursement of over ₹2200 Crores. It has 70 Million+ downloads on Google Play Store and over 85 Lakh unique loan customers. It offers various financial services digitally including but not limited to Personal Loans, Business Loans, Loan against property (LAP), DigiGold investment, Insurance, Credit Score Report, and Expense Tracker. The group entity has an in-house RBI registered NBFC, and is currently Series-D funded with marquee investors like Premji Invest, Advent International, Motilal Oswal Private Equity, MUFG and TPG-backed NewQuest, among others.

We are seeking an experienced leader to drive field collection operations for our unsecured loans
portfolio. As the Field Collections Head, you will play a pivotal role in maintaining portfolio health,
minimizing credit risks, and achieving organizational goals. This high-impact position offers the
opportunity to lead a nationwide team, innovate recovery strategies, and contribute to the growth of a leading NBFC.

1. Field Collection Strategy and Execution:
 Develop and implement comprehensive field collection strategies tailored to our
unsecured loans portfolio, minimizing delinquencies and write-offs.
 Analyse portfolio trends to pre-empt high-risk accounts and prioritize recovery actions.
 Leverage data analytics and digital tools to enhance field collection efficiency and decision-
making.
2. Team Leadership and Management:
 Lead, manage, mentor and guide the hierarchy of field collection managers and field agents
across multiple regions.
 Foster a culture of accountability, professionalism, and ethical conduct among the field
collection team.
3. Liaison with Vendors and External Agencies:
 Engage and manage external collection agencies and vendors to supplement in-house field
efforts, and monitor performance against agreed service levels.
 Liaison with advocates and law enforcement authorities across cities for swift execution of
legal actions.
4. Performance Monitoring and Reporting:
 Track and analyse collection performance metrics, including resolution rates, recoveries,
turnaround time and cost-effectiveness of collection operations.
 Prepare and present regular reports on field collection activities, trends, and outcomes to
senior management.
5. Regulatory Compliance and Reporting:
 Ensure adherence to all legal and regulatory requirements in collection processes, including
RBI and NBFC guidelines.
 Maintain detailed documentation of recovery activities for audit and compliance purposes.
6. Cross Functional Collaboration
 Coordinate with senior stakeholders across operations, risk, and technology to ensure
seamless integration of field strategies with company objectives.
 Provide insights from field operations to refine credit policies and underwriting standards.

Qualifications and Experience:
 Education: Bachelor’s degree in any discipline; MBA or equivalent is a plus.
 Experience: 10-20 years of experience in field collections, preferably in unsecured business
loans or retail loans segment, with minimum 5+ years at a zonal manager or similar senior
level.
 Familiarity with NBFC or financial services industry regulations and statutory guidelines.
 Strong understanding of unsecured lending products and customer behavior in the
segment.
 Deep understanding of legal collection processes including arbitration, Section 138 cases,
and court systems in India.
 Proven track record of managing large field teams and achieving aggressive collection
targets.

Key Competencies:
 Leadership and people management skills to motivate and drive a large team.
 Excellent negotiation and conflict resolution abilities.
 Analytical mindset with the ability to interpret data and make informed decisions.
 Strong communication skills for interactions with customers, teams, and senior
stakeholders.
 High ethical standards and a commitment to fair and compliant recovery practices.

What We Offer:
 Be part of a rapidly growing NBFC shaping the future of digital lending in India
 Competitive salary, performance-based incentives and professional growth opportunities.
 A collaborative and technology-driven work environment.
 Opportunity to implement and innovate cutting-edge collection strategies.

Disclaimer:
This job description is intended to outline the general nature and key responsibilities of the position. It is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the role. The responsibilities and qualifications described may be subject to change, and other duties may be assigned as needed. Employment is at-will, meaning the employee or the employer may terminate the employment relationship at any time, with or without cause, and with or without notice.

Data Utilization Disclaimer:
By applying for this position, you acknowledge and agree that any personal data you provide may be used for recruitment and employment purposes. The data collected will be stored and processed in accordance with our privacy policy and applicable data protection laws. Your information will only be shared with relevant internal stakeholders and will not be disclosed to third parties without your consent, unless required by law.