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 buckets; understand local portfolio characteristics, monitor portfolio movement, and drive resolution and recovery outcomes. • lead, coach, and develop the collections team; set clear expectations, review productivity and performance, and drive the team towards collection targets. • manage collection agencis 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 recovery metrics, identify performance gaps, and implement corrective actions to improve outcomes. • lead the implementation of collection strategies across calling and field operations, including tracing, legal recovery, dual allocation, and other relevant recovery levers. • ensure adherence to collection processes, RBI guidelines, company policies, and Prefr’s code of conduct; proactively identify and address compliance or process gaps. • ensure disciplined execution of field operations by tracking input metrics such as visits, on-time visits, allocation, and disposition. • manage the region in a cost-effective manner and ensure collection costs remain within defined guardrails. • proactively identify geographical, capacity, agency, and portfolio-level challenges and raise timely red flags. • work closely with operations, risk, legal, analytics, and strategy teams to resolve dependencies and improve collection outcomes. • provide feedback and recommendations to central strategy and policy teams based on regional challenges and opportunities. • play an active role in hiring and developing collection talent for the region and contribute to hiring across other regions as required.
you should apply if you: • have 10+ years of experience in collections, preferably across unsecured PL portfolios. • have strong knowledge of the geography being hired for and the local collections ecosystem. • have experience managing large portfolios, collection teams, and agency partners. • have strong understanding of recovery metrics, collection strategies, and portfolio performance. • are data-driven, result-oriented, and able to diagnose and solve collection challenges. • have strong understanding of the code of conduct and can drive compliant, customer-centric collections. • are proficient in the local language and comfortable working with cross-functional teams.
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