Collection Strategy Specialist

Overview of the Role:The successful candidate will be responsible for defining, governing, and executing the product vision, roadmap, and strategy for a centralized collections and debt management solution designed for retail, SME, and corporate banking portfolios.This role ensures that the product empowers financial institutions to manage delinquency, automate collection strategies, improve recovery rates, enhance compliance, and reduce operational cost.Main Responsibilities:Communicate the product vision, strategy, and go-to-market approach for the collections solution, ensuring alignment with bank collection priorities, risk appetite, regulatory expectations, and organizational objectives.Follow up the main product improvements and align collections module development accordingly.Own, prioritize, and regularly update the product backlog, focusing on high-value collections features such as early delinquency workflows, automated reminders, segmentation strategies, promise-to-pay tracking, skip tracing, restructuring workflows, repossession and legal collections etc.Convert business, risk, and regulatory requirements into actionable user stories and acceptance criteria for development, QE, and integration teams, ensuring accurate translation of collection strategies into product features.Collaborate with internal and external stakeholders (sales, delivery teams, credit risk units, legal departments, collection teams, compliance, and client banks) to gather feedback, communicate changes in priorities, risks, and dependencies, and ensure alignment across all parties.Monitor collections performance using analytics and KPIs (cure rate, roll rate, delinquency bucket movement, recovery performance, PTP adherence, agent productivity), and drive continuous improvement based on customer feedback and industry benchmarks.Actively participate in Agile ceremonies and consistently serve as the voice of collection teams, risk departments, and end users throughout the product lifecycle.Assign and track ownership of product and project actions, document dependencies and milestones for collections enhancements, and ensure accountability and timely completion across contributors.Lead efforts in data security, privacy, regulatory compliance, audit readiness, and change management for financial institutions using the collections solution, ensuring compliance with consumer protection, AML, data privacy, restructuring, and legal requirements.Represent the collections solution in demos, implementations, conferences, workshops, regulatory discussions, and strategic meetings, and collaborate with Microsoft and ecosystem partners (e.g., SMS/e-mail gateways, scoring engines, contact center integrations) for co-selling and technical enablement.Requirements:To succeed in this role, you will require:A Bachelor's degree in computer science, Information Systems, Finance, Business, or related fields.10+ years of experience in product ownership, collections systems, credit risk, debt management, or financial software platforms.Strong knowledge of Microsoft Dynamics 365, Azure services, decision engines, and integration patterns.Strong understanding of soft & hard collection workflows, tele calling, field visits, stat card, restructuring processes, repossession, skip tracing and legal collections are required.Prior exposure to enterprise banking products on Collections is mandatory.Knowledge of delinquent cases classification, allocation, collections strategies, strategy cost benefit analysis, PTP tracking, legal proceedings, collections related fee/charges etc. Knowledge of Loan Origination and Loan service requests will be an advantageFamiliarity with enterprise integration layers (core banking, contact center, SMS/e-mail gateways, decision engines, reporting platforms).Hands-on experience with Agile tools such as Azure DevOps, Jira, Confluence and Agile methodology, planning, execution, ceremonies etc.Knowledge of relevant regulatory frameworks (consumer rights, AML, data privacy, write-off rules, restructuring standards).Strong stakeholder and conflict management skillsExcellent communication between technical and business unitsCustomer- and risk-oriented mindsetAdaptability in fast-changing regulatory and risk environmentsWhat We Offer:We offer a comprehensive benefits package, including remote work support, health insurance, care program, and online psychological support. Additionally, we provide performance-linked bonuses, birthday leave, global impact, cutting-edge tech, and diverse, vibrant community opportunities.About Us:We are a global technology company with over two decades of expertise in the Financial Services industry. Our mission is to enable financial institutions to become digital leaders by delivering world-class customer journeys in digital and assisted channels. We develop omni-channel delivery, customer engagement, branch automation, and loan origination solutions based on Microsoft technology for banks and insurance companies worldwide.],