About the role
prefr (operated by CreditVidya) is a digital-first lending platform that makes credit accessible to millions across India. with loan offerings ranging from ₹50,000 to ₹5 Lakh, we’re enabling instant personal loans and flexible pay-later credit lines, especially for first-time borrowers and underserved regions. backed by RBI-approved NBFC partnerships, we’ve built a platform that uses selfie-based KYC, minimal documentation, and AI-powered underwriting to disburse loans within minutes.
what will you do: • own collection performance for the assigned geography and bucket(s); understand local portfolio characteristics, monitor portfolio movement, and execute collection strategies to drive resolution and recovery outcomes. • lead, coach, and develop a team of 2-5 direct reports; set clear expectations, review productivity and performance, and drive the team towards collection targets. • manage 3-6 collection agencies across the assigned geography; ensure adequate capacity, drive productivity and resolution outcomes, and maintain adherence to quality and compliance standards. • own resolution and recovery targets for the assigned portfolio; analyse MIS and key collection metrics, identify performance gaps, and implement corrective actions to improve outcomes. • ensure adherence to RBI guidelines, company policies, and the code of conduct for collections; proactively identify and address compliance or process gaps. • work closely with operations, risk, legal, analytics, and agency management teams to resolve dependencies, improve collection outcomes, and ensure effective execution of collection strategies.
you should apply if you have/are: • strong understanding of the relevant region/state profile of customers across local districts, including good and challenging pin codes from a risk perspective. • knowledge of local agencies and demonstrated ability to drive and manage collection agencies. • proficient in the local language. • knowledge of the code of conduct for collections and ability to explain its importance. • strong understanding of the collections business. • familiar with key collections metrics such as resolution rates, flow rates, bounce rates, ROR for recoveries, and NC/skip ratio, with an understanding of how these metrics impact collection outcomes.
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