Job Responsibilities  * Team Leadership and Management: Lead and manage a team of Collection Executives and collaborate with third-party recovery agencies. Provide close supervision, guidance, and support to ensure the team meets its targets.  * Performance Monitoring: Drive the collections process for your assigned cluster. Monitor and manage key performance indicators (KPIs) such as resolution rates and delinquency buckets to ensure superior client experience and operational efficiency.  * Delinquency Management: Take ownership of the portfolio's delinquency rates and recovery of overdue payments within the cluster. Implement strategies to control roll rates and minimize bucket-wise delinquencies.  * Strategy and Execution: Develop and execute collections strategies tailored to the specific nature of overdue accounts in your cluster. Analyze data and portfolio health to make informed decisions and improve collections effectiveness.  * Compliance and Process Adherence: Ensure strict adherence to collections processes and standard operating procedures (SOPs). Drive compliance with internal policies and regulatory guidelines.  * Reporting and Analysis: Conduct daily monitoring and regular reviews of the delinquent portfolio. Prepare and present reports on cluster performance, challenges, and proposed solutions.  Functional Competencies * Leadership: Motivate and guide your team to achieve collections goals. Provide clear direction, regular feedback, and coaching to foster a high-performing team.  * Analytical Skills: Use data to drive decision-making and identify opportunities for process improvements. Analyze collection trends and performance metrics to optimize strategies.  * Communication: Communicate effectively with team members, senior management, and third-party agencies. Clearly articulate goals, expectations, and performance feedback.  * Results-Oriented: Demonstrate a strong drive to achieve and exceed collections targets. Focus on delivering both short-term results and long-term milestones.  * Must be a graduate with at least 5  * 5+ years of experience in collections, with a minimum of 1-2 years in a team lead or supervisory role.  * Prior experience in a bank, new-age NBFC, or Fintech company is highly preferred.  * Strong ability to lead and motivate a team.  * Excellent decision-making skills and the ability to work effectively under pressure.  * Proactive and effective communication skills.  PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles) * Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance * Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System * Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program * Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy * Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment  * Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy