Head - Collections - NBFC/FinTech

Role Overview:

We are seeking a highly driven and experienced professional to lead our Collections function. This role will be responsible for developing and executing collection strategies, managing high-impact stakeholder relationships, driving operational efficiency, and to achieve and exceed collection targets across regions.

Key Responsibilities:

- Develop and implement comprehensive collections strategies to improve recovery rates, reduce overdue receivables, and mitigate credit risks across geographies and segments.

- Lead recovery efforts through strategic client negotiations and collaboration with legal teams, ensuring timely cash flow and resolution of complex receivable issues.

- Develop and maintain Standard Operating Procedures for credit and collections in line with regulatory requirements and internal audit standards and ensure compliance with internal policies, legal requirements, and tax regulations (GST/TDS).

- Maintain audit-ready documentation and provide end-to-end visibility on outstanding, overdue, and disputed accounts.

- Work closely with Sales, Finance, Legal, and Product teams to align collection strategies, resolve disputes, and ensure a smooth collections process.

- Support credit evaluation processes and implement control mechanisms to reduce exposure to high-risk accounts and improve receivables health.

- Address high-risk accounts, ensure timely escalation of chronic delinquencies, and work with legal and finance teams on resolution strategies.

- Monitor performance against set parameters and conduct weekly reviews with the Sales team.

- Develop and maintain dashboards and reports for segment-wise and bucket-wise collection data to support informed decision-making.

- Contribute to the development and refinement of collections and credit control policies in line with business needs.

Skills & Qualifications:

- 15+ years of experience in collections, credit, or receivables management, with at least 5 years in a leadership role.

- Proven experience managing large collections portfolios and leading high-performing teams.

- Experience in NBFC, Banking, FinTech, Supply Chain Finance, or B2B collections is preferred.

- Strong understanding of collections processes, legal recovery frameworks, and customer relationship management.

- Strong analytical and problem-solving skills; proficiency in Excel and financial reporting tools.

- Excellent communication and interpersonal skills; fluency in English and Hindi is required.

- Proven ability to lead cross-functional teams and manage complex stakeholder relationships.

- Strong experience in Account Receivable/Collection.