Strategy Support Sales Team

Key Responsibilities:
1. Pre-Delinquency Management (PDM) Strategy & Early Risk Mitigation

•    Develop a proactive PDM strategy to identify customers at risk of missing payments before they enter delinquency.

•    Utilize in house tool AI-based risk models, BI Dashboard and early warning signals (EWS) to segment high-risk borrowers and implement early interventions.

•    Implement automated digital engagement (SMS, WhatsApp, IVR calls, emails, in-app notifications) to encourage timely payments.

•    Work closely with sales team and DSMG to improve collection efficiency in X bucket  along with customer onboarding and risk profiling for better portfolio quality.

•    Introduce customer education programs and financial literacy initiatives to promote responsible repayment behavior.
2. X-Bucket Recovery & Loss Mitigation

•    Develop and execute high-delinquency (X-Bucket) recovery strategies to maximize collections from aged overdue accounts.

•    Coordinate with legal, arbitration, and settlement teams to resolve X-Bucket cases through legal and out-of-court settlements.

•    Implement skip tracing, asset repossession, and field collection strategies for untraceable or non-responsive customers.

•    Strengthen recovery agent networks and external collection agency collaborations for high-risk accounts.

•    Design performance-linked incentives and collection efficiency targets for X-Bucket recovery teams.
3. Digital & Technology-Based Collections

•    Leverage LMS, CRM, and AI-driven analytics to track repayment behavior and optimize collection strategies.

•    Implement self-service payment portals, digital repayment links, and fintech partnerships for seamless recoveries.

•    Explore automated chatbots and AI-driven reminders to enhance early-stage interventions and X-Bucket recoveries.

•    Work with BI teams to develop risk-based dashboards for tracking PDM and X-Bucket performance.
4. Compliance, Risk, & Customer-Centric Approach

•    Ensure strict adherence to RBI/NBFC collection regulations and ethical collection practices.

•    Work with risk and compliance teams to handle fraud-related cases in delinquency and X-Bucket segments.

•    Implement fair and customer-friendly resolution approaches while maintaining collection efficiency.
5. Performance Monitoring & MIS Reporting

•    Track PDM effectiveness, delinquency roll-back rates, and X-Bucket recovery trends through data analytics.

•    Provide detailed MIS reports and insights to senior management for strategy improvements.

•    Analyze root causes of slippages and propose corrective measures for portfolio stabilization.
6. Individual Contributor & Cross-Functional Collaboration

•    Handle high-value and sensitive X-Bucket accounts for direct resolution and settlement negotiations.

•    Collaborate with collections, legal, sales, and risk teams to align strategies and improve overall portfolio performance.

•    Train and mentor collection officers and recovery agents on best practices in PDM and X-Bucket recoveries.
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Key Skills & Competencies:
Expertise in Pre-Delinquency (PDM) management and X-Bucket recovery strategies
Strong analytical skills in delinquency forecasting, risk segmentation, and collections optimization
Experience with digital collection tools, AI-based analytics, and fintech repayment solutions
Proficiency in Excel, SQL, and BI tools for performance tracking & reporting
Knowledge of RBI/NBFC collection regulations and ethical recovery practices
Excellent stakeholder management, negotiation, and compliance handling skills

Qualifications : MBA/PGDM in Finance, Business, or a related field.