Head of Collections

3 hours ago

Mumbai, Maharashtra, India Small Finance Bank Full time ₹ 12,00,000 - ₹ 18,00,000 per year

Job Title: Head – Retail Collections

Location: Mumbai

Reporting To: Chief Risk Officer

Position Overview:

The Head – Retail Collections will be responsible for leading the organization's end-

to-end collections strategy, execution, and performance across secured and

unsecured retail portfolios. This leadership role demands strong expertise in P&L

management, cost-of-credit optimization, legal recoveries, and regulatory

compliance. The incumbent will drive sustainable recovery outcomes while

safeguarding asset quality, enhancing profitability, and ensuring robust governance

across all retail loan products.

  • Key Responsibilities

1. Strategic Leadership & Portfolio Management

 Lead the pan-India retail collections function across all secured and

unsecured products – including SME, MSME, Supply Chain, Microfinance,

Micro-LAP, and Personal Loans.

 Drive strategic direction for collection operations to achieve targeted recovery

rates, reduce delinquencies, and maintain superior asset quality.

 Oversee the Cost of Credit (COC), Expected Credit Loss (ECL), and Net

Credit Loss (NCL) metrics with clear profitability and risk objectives.

 Develop and implement data-driven collection strategies leveraging predictive

analytics, early-warning systems, and benchmarking against peer institutions.

2. People & Organizational Leadership

 Lead and mentor a large multi-layered collections organization, including

National Collection Managers, Strategy Managers, and regional teams.

 Establish a high-performance, compliant, and customer-centric culture within

the collections function.

 Build capabilities in specialized areas such as litigation, fraud control, and

asset disposal through targeted recruitment and training programs.

3. Legal & Regulatory Compliance

 Ensure adherence to RBI regulations, internal audit standards, and

governance frameworks.

 Collaborate with legal, risk, and compliance teams to standardize procedures

and mitigate operational, legal, and reputational risks.

4. Governance, Reporting & Stakeholder Management

 Present collection performance, risk dashboards, and portfolio analytics to the

Board, Risk Committee, and CXO leadership.

 Collaborate with Business, Risk, Operations, and Finance for portfolio

reviews, provisioning, and forecasting.

 Ensure transparent reporting and proactive communication with internal and

external stakeholders, including rating agencies and auditors.

6. Strategic Initiatives

 Manage NPA portfolio sales and restructuring to maximize recovery and

optimize balance sheet health.

  • Key Deliverables


Portfolio recovery rate and reduction in NPA levels.

 Year-on-year improvement in Cost of Credit and ECL.

 100% compliance in internal/external audits and zero RBI observations.

 Productivity enhancement through digital initiatives and analytics adoption.

 Development of a robust, future-ready collections organization.

Desired Candidate Profile

 Experience: 18–25 years in retail/secured collections, with proven leadership

across large-scale NBFCs or Banks.

 Education: Graduate (Commerce/Finance)

 Leadership Traits: Strategic vision, strong governance orientation, analytical

mindset, and ability to manage large distributed teams.

 Location Flexibility: Willingness to travel across India for operational and

governance reviews.

Interested candidates can share their resume to

  • Head of Retail Collection

    1 day ago

    Mumbai, Maharashtra, India Wikilabs Full time ₹ 60,000 - ₹ 75,00,000 per year

    Job Title: Head – Retail CollectionsLocation: MumbaiReporting To: Chief Risk OfficerPosition OverviewThe Head – Retail Collections will be responsible for leading the organization's end-to-end collections strategy, execution, and performance across secured and unsecured retail portfolios. This leadership role demands strong expertise in P&L management,...

  • Head Collection Gold loan

    5 days ago

    Mumbai, Maharashtra, India Skillventory Full time ₹ 1,00,00,000 - ₹ 1,50,00,000 per year

    Role & responsibilitiesKey responsibilitiesManage a collection team: A collection head manages the recovery process of gold loans and oversees a team of collection officers or managers.Implement recovery strategies: Develop and execute strategies to recover overdue loan amounts, often involving direct communication with delinquent borrowers.Ensure regulatory...

  • Zonal Head Collection

    2 days ago

    Mumbai, Maharashtra, India Seven N Half Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Role Summary:We are seeking a dynamic and experienced Zonal Head to lead and manage our field collection operations within the designated zone. The ideal candidate will have a proven track record in managing large teams, developing strategies to improve collection efficiency, and ensuring compliance with regulatory standards. This role requires strong...

  • Collection head

    3 days ago

    Mumbai, Maharashtra, India YES BANK Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    About the Role:The position is responsible for handling Pan-India Collections for all products under the Micro Enterprises Banking (MIB) segment. The person will be responsible for ensuring delivery of key performance parameters like credit losses, delinquencies, and other P & L parameters. The person will also be responsible for designing and implementing...

  • Collection Head

    1 week ago

    Mumbai, Maharashtra, India Kuber and Company Full time ₹ 3,00,000 - ₹ 7,00,000 per year

    Sr Executive – Accounts ReceivableLocation: Andheri, MumbaiKey ResponsibilitiesCollections Strategy & Management Develop and implement strategies to ensure mely collec on against invoices and billing. Monitor outstanding receivables, iden fy overdue accounts, and implement follow-upmechanisms.Team Leadership and Stakeholder Coordination Lead,...

  • Head - Risk Servicing & Collections – U.S

    3 hours ago

    Mumbai, Maharashtra, India Drip Capital Full time US$ 1,20,000 - US$ 2,40,000 per year

    About Drip CapitalWe are a US-based fintech company revolutionizing global trade for SMEs. At Drip Capital, we're redefining the future of trade finance and facilitation, empowering small and medium-sized enterprises (SMEs) to scale internationally with ease.With the global SME trade market exceeding $5 trillion, our mission is to provide businesses in...

  • Collections Analyst

    1 week ago

    Mumbai, Maharashtra, India Branch International Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    As a Collection Analyst at Branch International, you will be instrumental in optimizing our collections operations by meticulously managing third-party collection agencies and leveraging data to drive performance. Your role will involve end-to-end agency oversight, in-depth performance analysis, and the development of actionable strategies to ensure high...

  • Head - Analytics

    3 days ago

    Mumbai, Maharashtra, India Fedbank Financial Services Full time ₹ 20,00,000 - ₹ 25,00,000 per year

    We are seeking an accomplished analytics leader with 1014 years of experience in financial services analytics to head the Analytics function at Fedfina. The role will drive collections analytics, growth analytics, risk analytics, and business intelligence, enabling data-driven decision-making across the NBFC's lending products (affordable housing, gold...

  • Manager - Collections Strategy - Housing - Collections - Mumbai - Lodha (I-Think Techno Campus) - JM

    1 week ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 60,00,000 - ₹ 1,20,00,000 per year

    Description10650 Core Responsibilities:·  Support the Head of Strategy in designing, implementing, monitoring and improving portfolio interventions for effective management of the delinquent portfolio against the background of Product specific strength areas and operating constraints.·  Assist in executing, evaluating, Improving and monitoring portfolio...

  • Centre Head

    2 days ago

    Mumbai, Maharashtra, India Arihant Academy Ltd. Full time ₹ 3,75,000 - ₹ 6,00,000 per year

    Company Description:-We Arihant Academy are Mumbai's premier coaching institute for SSC, ICSE, CBSE, Science and Commerce. Transforming students via our child-centric, service-oriented focus on resultsJob Summary: We are looking for a dynamic and organized individual to join our team as a Centre Head. The Centre Head will be responsible for overseeing the...