Asst Mgr / Team Leader - Digital Lending

TRUSTPAISA (https://trustpaisa.com/) is part of Fingular Group (https://fingular.com/). Fingular is a rapidly-scaling fintech asset management company in Southeast Asia. Our products are created for 80% of people in South-East Asia who feel excluded and underserved by traditional financial services. To achieve this, Fingular leverages fintech innovations designed to help the many instead of the few.

• To Lead Collections department, ensuring that cases are handled appropriately and according to company policy.
• Oversee a team of hard-working collection staff members to communicate with clients who owe money and increase the percentage of successful repayments.
• You will have the chance to implement changes to the department allowing you to create a proficient and efficient team.
• Foster team unity as you build relationships while working closely with your team to continually reach department and company-wide business goals.

• Coordinate activities of staff members to ensure a smooth and efficient department that reduces the number of cases that are overlooked.
• Oversee the collection of outstanding credit to minimize loss while ensuring it is handled appropriately and per company policy.
• Create and implement strategies to increase the number of successful collections on outstanding debt.
• Recruit, hire, train and evaluate staff members within the collections department to ensure required count of staff members are available to handle the workload.
• Develop goals that complement the overarching business goals of the company and coordinate staff to continually meet and exceed goals.
• Run reports and analyse data pertaining to the department and share with executive staff and managers of department staff as needed.
• Implement credit policies and procedures that retain a smooth running of the department and avoid excessive credit limits.
• Completely own key metrics: Conversion Rates, Quality and Operational Metrics: AHT, Idle Time, Shrinkage and Others
• The Goal is to do everything Possible to achieve Collection Target
• Dialer Exposure is a Must to Create and Implement Dialer Outbound Strategies
• Develop a deep understanding of our Users, usage, products, internal and external stakeholders and how they impact our business, to inform important decisions across the organization.
• Ensuring legal guidelines are complied for entire collection structure in letter and spirits
• Ensure that the collection executives adhere to the legal guidelines provided by the law in force
• Keeping the write off percent within risk pricing.
• Control portfolio in terms of bucket flows. Handle customer issues escalations.
• Feedback on credit policy based on market conditions.
• Manage and put support mechanism for legal / police issues. - Ensuring audit queries are complied with, ensuring corrective and preventive action.
• Liaising with the partners for reconciliation and for collection of cash/cheque from the customer
• Liaising with the partners for getting overdue details, bounce details and mandate reject details on a timely manner
• Planning, strategizing, and executing effective legal remedies for resolution from NPA accounts
• Consistent and effective follow up and negotiation with the customers.

• Bachelor's degree, preferably in B. Com or B.BA. MBA (FINANCE) would be add-on.
• Total work experience of 7yrs plus which would include minimum 3years of Collection Management Experience
• Ability to execute the collection strategy with speed
• Understanding of consumer lending and collection process
• Expertise in call centre management and collection agency management
• Ability to manage SLA so that organization can provide superior service to the customer
• You must be willing to roll up your sleeves and get the job done.
• Someone with determination and a focus on delivering results
• Proficient with business software tools such as Microsoft Office applications.
• Strong communication, interpersonal and detail-oriented skills
• Prior expertise in scaling teams is preferred
• Self-starter and motivated, with ability to work with multiple stakeholders and drive key projects
• Experience in a fast-paced environment, preferably in a growth stage start-up
• Comfortable in a tech-heavy environment but able to explain technical and quantitative concepts to non-technical audiences
• Candidate must be residing in Bangalore

CANDIDATES RESIDING IN BENGALURU WILL BE CONSIDERED ONLY.