AVP - Collection Strategy
On-siteMumbai, Maharashtra, India
Job Summary
Design and optimize data-driven collection strategies across the pre-due, early, and late bucket stages, alongside recovery and write-off management. Conduct in-depth portfolio analysis to identify risk trends, delinquency drivers, and behavioral patterns while developing and monitoring portfolio scorecards. Develop and deploy AI/ML models for delinquency prediction, roll rate forecasting, and recovery propensity, partnering with data engineering teams for seamless integration. Design performance dashboards and KPIs to monitor collection effectiveness and employee scorecards, utilizing champion-challenger testing to continuously refine strategies. Collaborate with Risk, Operations, Product, Technology, and Senior Leadership teams to present analytical findings and strategic recommendations.
Required Qualifications
- Master's or Bachelor degree in Engineering, Computer Science, IT, Data Science, Statistics, Mathematics, Economics, or related quantitative discipline
- 4-8+ years of relevant experience in collections analytics, credit risk, or financial services
- Strong proficiency in SQL
- Strong proficiency in Python / R
- Strong proficiency in Advanced Excel
- Strong proficiency in Data visualization tools (Power BI / Tableau)
- Deep understanding of Portfolio scorecards
- Deep understanding of Risk segmentation methodologies
- Deep understanding of Employee performance scorecards
- Deep understanding of Roll rate and vintage analysis
- Deep understanding of AI/ML model development and validation
- Deep understanding of Big data ecosystems and data integration frameworks
- Strong analytical and problem-solving skills
- Strategic thinking with business acumen
- Deep understanding of credit risk and collections lifecycle
- Ability to interpret complex datasets and convert insights into executable strategies
- Excellent communication and stakeholder management skills
Desired Qualifications
- Preferred education from premier institutions such as IIT, IIM, ISI, or other top-tier institutes
- Experience in NBFC/Banking/FinTech collections environment
- Exposure to regulatory compliance in collections
- Hands-on experience with large-scale portfolio management
- Proven track record of driving measurable improvement in collection efficiency and recovery rates
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