area collections manager, pune (recoveries)

Job description

prefr (operated by CreditVidya) is a digital-first lending platform that makes credit accessible to millions across India. with loan offerings ranging from ₹50,000 to ₹5 Lakh, we’re enabling instant personal loans and flexible pay-later credit lines, especially for first-time borrowers and underserved regions. backed by RBI-approved NBFC partnerships, we’ve built a platform that uses selfie-based KYC, minimal documentation, and AI-powered underwriting to disburse loans within minutes. ### what will you do: - own collection performance for the assigned geography and bucket(s); understand local portfolio characteristics, monitor portfolio movement, and execute collection strategies to drive resolution and recovery outcomes. - lead, coach, and develop a team of 2-5 direct reports; set clear expectations, review productivity and performance, and drive the team towards collection targets. - manage 3-6 collection agencies across the assigned geography; ensure adequate capacity, drive productivity and resolution outcomes, and maintain adherence to quality and compliance standards. - own resolution and recovery targets for the assigned portfolio; analyse MIS and key collection metrics, identify performance gaps, and implement corrective actions to improve outcomes. - ensure adherence to RBI guidelines, company policies, and the code of conduct for collections; proactively identify and address compliance or process gaps. - work closely with operations, risk, legal, analytics, and agency management teams to resolve dependencies, improve collection outcomes, and ensure effective execution of collection strategies. ### you should apply if you have/are: - strong understanding of the relevant region/state profile of customers across local districts, including good and challenging pin codes from a risk perspective. - knowledge of local agencies and demonstrated ability to drive and manage collection agencies. - proficient in the local language. - knowledge of the code of conduct for collections and ability to explain its importance. - strong understanding of the collections business. - familiar with key collections metrics such as resolution rates, flow rates, bounce rates, ROR for recoveries, and NC/skip ratio, with an understanding of how these metrics impact collection outcomes.