Area Manager

About the Company

You can become a part of a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with businesses ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally.

We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, and new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect — and we do it all together.

Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game”!

About the Role

In this role, you have the opportunity to:

• Be a part of the team building the definitive financial services platform for the consumer community in India.
• Be responsible for developing & growing one of the first successful implementations of lending based on velocity-led underwriting in this part of the world.
• To straddle zero-to-one experiments and expanding the scope of proven projects as we focus on blitz scaling our revenue growth.

Locations

Bengaluru, Lucknow, Nagpur, Tirupati, Chandigarh, Ahmedabad

Responsibilities

Functional Expertise

• Manage Collection Operation for the assigned Area / Agencies
• Responsible for managing collection agencies to achieve assigned bucket targets
• Responsible to review account allocations and collection targets by bucket to agencies/In-house team regularly.
• Drive field team and vendors to deliver excellent collection efficiency.
• Work towards achieving bucket resolutions as per assigned targets

Interaction

• Time to Time feedback based on field operations for betterment of lending process.
• Establish effective working relationships with functional and cross functional teams to implement innovative and competitive strategies related to field collection activities.

Problem solving

• Ensuring legal guidelines are complied with for entire collection structure in letter and sprits.
• Ensuring that the collection agencies and executives adhere to the legal guidelines provided by the law in force.
• Ensuring adherence to the Code of Conduct and initiating regular audits of Collection agencies.
• Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities.
• Ensuring documented feedback and action taken on all cases.

To succeed in the role

Impact

• Ensure extraction from lower DPD’s and keep the flows to higher buckets under control
• Recovery from NPA Pool

Challenges & Decisions

• Working in a highly fast-paced, challenging & competitive landscape.
• Along with meeting collection targets, studying the portfolio and giving constructive feedback on how to improve the processes

Qualifications

• Graduate or post-graduate
• 5+ years of Tele calling / field collection experience.

Required Skills

• In Depth Knowledge of Parameters to be tracked for field Collection agencies.
• Good Analytical Skills.
• Problem solving and decision-making skills
• People Management skills

Preferred Skills

• A curious mind and a mastery over understanding the product deeply
• Strong execution capabilities and rigor – you are not afraid to get your hands dirty, are detail oriented and stay on top of things to ensure you deliver consistently