Associate Collections

About the Team At Meesho, we take pride in building efficient and responsible financial systems that serve millions of customers across India. Our Collections team ensures smooth payment operations, effective recovery processes, and strong financial discipline.We believe in speed, ownership, and continuous improvement. Every challenge is seen as an opportunity to learn, innovate, and make our systems stronger. Guided by a Founder's Mindset, the team works with agility and accountability to drive impact at scale.We value transparency, collaboration, and growth. Open communication, regular feedback, and data-driven decision-making help every team member perform at their best. As an Associate Collection Manager, you will be part of a high-performing team responsible for managing collection strategies, optimizing recovery processes, and ensuring compliance with business and regulatory requirements. This role demands analytical thinking, strong stakeholder management, and a proactive approach to problem-solving — all while contributing to Meesho's vision of building a sustainable and inclusive e-commerce ecosystem. About the Role Responsible for managing the day-to-day activities of the collection strategy team for merchant and consumer lending. This role requires a deep understanding of debt collection strategies across various channels (tele-calling, field, and digital), a strong grasp of collection and recovery metrics (including NPA), and the ability to analyze data to identify trends, perform root cause analysis (RCA), and drive performance improvements. The ideal candidate will be a data-driven problem solver with excellent communication and collaboration skills. If you are interested in joining a world-class team of passionate engineers who work hard and play hard, we look forward to hearing from you. What will you doStrategy Execution & Monitoring: Implement and monitor collection strategies across different loan products (merchant and consumer), ensuring alignment with overall business objectives. This includes optimizing strategies for different delinquency buckets.Channel Management: Oversee the performance of various collection channels (tele-calling, field agents, legal, and digital channels like SMS, email, WhatsApp, in-app notifications). Analyze channel effectiveness and recommend improvements.Data Analysis & Reporting: Analyze collection performance data, identify key trends, and provide regular reports on key metrics such as roll rates, recovery rates, NPA, and collection efficiency. Develop dashboards and visualizations to track performance.Root Cause Analysis (RCA): Conduct thorough root cause analysis for missed performance targets, identify contributing factors, and recommend corrective actions. Collaborate with other teams to implement solutions.Strategy Optimization: Continuously evaluate and refine collection strategies based on data analysis, market trends, and regulatory changes. Propose and implement new strategies to improve recovery rates and reduce losses.Vendor Performance Management: Monitor their performance against agreed-upon KPIs, conduct regular reviews, and ensure compliance with company policies and regulations.Collaboration: Work closely with other teams, including product, technology, risk, and operations, to ensure seamless execution of collection strategies.Compliance: Ensure all collection activities comply with regulatory guidelines and company policies. Stay updated on changes in regulations related to debt collection.Documentation: Maintain detailed documentation of collection strategies, processes, and performance metrics. What you will needBachelor's degreeMinimum of 4-6 years of experience in collections strategy or a related analytical role, preferably in Banking/NBFC/Fintech.Strong understanding of debt collection strategies and best practices, including tele-calling, field collections, legal processes, and digital collection channels.In-depth knowledge of collection and recovery metrics, including NPA, roll rates, recovery rates, and collection efficiency.Proficiency in data analysis tools and techniques.Excellent analytical and problem-solving skills. Ability to identify trends, conduct RCA, and develop data-driven solutions.Strong communication and interpersonal skills. Ability to collaborate effectively with cross-functional teams. Knowledge of regulatory guidelines and compliance requirements related to debt collection.Experience with merchant lending and consumer lending is a plus. About us  Welcome to Meesho, where every story begins with a spark of inspiration and a dash of entrepreneurial spirit. We're not just a platform; we're your partner in turning dreams into realities. Curious about life at Meesho? Explore our Glassdoor - our people have a lot to say and they've helped us become a loved workplace in India. Our Mission Democratising internet commerce for everyone — Meesho (Meri Shop) started with a single idea in mind: to be an e-commerce destination for Indian consumers and to enable small businesses to succeed online. We provide our sellers with benefits such as zero commission and affordable shipping solutions in the market. Today, sellers nationwide are growing their businesses by tapping into Meesho's large and diverse customer base, state-of-the-art tech infrastructure, and pan-India logistics network through trusted third-party partners. Affordable, relatable merchandise that mirrors local markets has helped us connect with internet users and serve customers across urban, semi-urban, and rural India. Our unique business model and continuous innovation have established us as a part of India's e-commerce ecosystem. Culture and Total Rewards Our focus is on cultivating a dynamic workplace characterized by high impact and performance excellence. We prioritize a people-centric culture, dedicated to hiring and developing exceptional talent. Total rewards at Meesho comprise a comprehensive set of elements — monetary, non-monetary, tangible, and intangible. Our 9 guiding principles, or "Mantras," are the backbone of how we operate, influencing everything from recognition and evaluation to growth discussions. Daily rituals and processes like "Problem First Mindset," "Listen or Die," our Internal Mobility Program, Talent Reviews, and Continuous Performance Management embody these principles. We offer competitive compensation — both cash and equity-based — tailored to job roles, individual experience, and skill, along with employee-centric benefits and a supportive work environment. Our holistic wellness program, MeeCare, includes benefits across physical, mental, financial, and social wellness. This includes extensive medical insurance for employees and their families, wellness initiatives like telehealth, wellness events, and fitness-related perks. To support work-life balance, we offer generous leave policies, parental support, retirement benefits, and learning and development assistance. Through personalized recognition, gratitude for stretched work, and engaging activities, we promote employee delight at the workplace. Additional benefits such as salary advance support, relocation assistance, and flexible benefit plans further enrich the Meesho experience. Know more about Meesho here : We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.