Zonal Collection Manager, Mumbai

About PhonePe Limited:

Headquartered in India, its flagship product, the PhonePe digital payments app, was launched in Aug 2016. As of April 2025, PhonePe has over 60 Crore (600 Million) registered users and a digital payments acceptance network spread across over 4 Crore (40+ million) merchants. PhonePe also processes over 33 Crore (330+ Million) transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore. 

PhonePe's portfolio of businesses includes the distribution of financial products (Insurance, Lending, and Wealth) as well as new consumer tech businesses (Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem) in India, which are aligned with the company's vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services.

Culture:

At PhonePe, we go the extra mile to make sure you can bring your best self to work, Everyday. And that starts with creating the right environment for you. We empower people and trust them to do the right  thing. Here, you own your work from start to finish, right from day one. PhonePe-rs solve complex problems and execute quickly; often building frameworks from scratch. If you're excited by the idea of building platforms that touch millions, ideating with some of  the best minds in the country and executing on your dreams with purpose and speed, join us

Job Responsibilities :
- Managing the portfolio by strategizing and driving collections
- Setting up and managing tele-calling / field agencies for specific zones.
- Responsible for controlling the roll rates and recovery of overdue from the delinquent pool & controlling bkt wise delinquencies.
- Managing and contributing NPA along with cost of collections
- Recruiting, coaching, and mentoring the team; identifying team goals.

Functional Competencies :
- Team Handling: Recruit, mentor and motivate the team to achieve targets on regular basis. Drive the team and deliver outcomes for self and team.
- Business Acumen: Analyse the effectiveness of the processes on a day-to-day basis and course correct. Has deep sense of ground reality and leverages it to achieve results.
- Analytical: Drive specific process efficiency metrics and be accountable to drive data-driven decision making.
- Managing Stakeholder: Manage disagreements maturely and align stakeholders. Communicate proactively and help bring clarity around deliverables and owners.
- Results Oriented: Deliver on daily numbers, short-term goals and long-term milestones set by business. Consistently deliver impact commensurate to the role.

KRAs & KPIs of the role :
- Collection targets achieved across due months for all the branches/locations within the Zone.
- Improve the collection cost metric, i.e., cost incurred for every rupee collected.
- Timely completion of operational activities across the zone.
- High customer satisfaction in terms of service.
- Compliance on code of conduct.
- Adequate manpower presence on field - hiring against open positions.
Training, coaching and performance incentivization of the entire team.

Candidate Profile :
- Must be Graduate and above and have at least 10 years experience in setting up operations from scratch and scaling them.
- Experience must include both tele- calling and field collections .
- Must have thorough understanding of hard bucket and Soft Bucket collections.
- Decision making, work under pressure, Effective communication, Handling equipment Analysis and synthesis
- Must have experience in vendor management

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

• Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance
• Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System
• Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program
• Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy
• Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment 
• Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy

Our inclusive culture promotes individual expression, creativity, innovation, and achievement and in turn helps us better understand and serve our customers. We see ourselves as a place for intellectual curiosity,  ideas and debates, where diverse perspectives lead to deeper understanding and better quality results. PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally; regardless of  gender, sexual preference, religion, race, color or disability. If you have a disability or special need that requires assistance or reasonable accommodation, during the application and hiring process, including support for the interview or onboarding process, please fill out this form.

Read more about PhonePe on our blog.

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