Area Collections Manager, Mumbai

Headquartered in India, its flagship product, the PhonePe digital payments app, was launched in Aug 2016. As of April 2025, PhonePe has over 60 Crore (600 Million) registered users and a digital payments acceptance network spread across over 4 Crore (40+ million) merchants. PhonePe also processes over 33 Crore (330+ Million) transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore. 

PhonePe’s portfolio of businesses includes the distribution of financial products (Insurance, Lending, and Wealth) as well as new consumer tech businesses (Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem) in India, which are aligned with the company’s vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services.

At PhonePe, we go the extra mile to make sure you can bring your best self to work, Everyday!. And that starts with creating the right environment for you. We empower people and trust them to do the right  thing. Here, you own your work from start to finish, right from day one. PhonePe-rs solve complex problems and execute quickly; often building frameworks from scratch. If you’re excited by the idea of building platforms that touch millions, ideating with some of  the best minds in the country and executing on your dreams with purpose and speed, join us!

Job Responsibilities:

- Managing the portfolio by strategizing and driving collections for the assigned region.
- Driving the compliance to collection processes in the assigned region
- Responsible for controlling the roll rates and recovery of overdue from the delinquent pool & controlling bucket wise delinquencies.
- Drive Higher resolution rates across buckets. Reviewing collections KPI to deliver superior client experience.
- Develop and execute collection strategies consistent with the nature of exposure and gravity of delays in payment.
- Identify, develop and continuously improve collections process to ensure overall efficiency
- Develop in an in-depth understanding collections SOP and drive implementation
- Accountable for designing and implementing Compliance &; Controls for collections unit in line with regulatory guidelines.
- Daily monitoring and regular reviews of delinquent portfolio to make location level strategy for smooth operations.

Functional Competencies -

- Business Acumen: Analyze the effectiveness of the processes on a day-to-day basis and course correct.
- Analytical: Drive specific process efficiency metrics and be accountable to drive data-driven decision making.
- Managing Stakeholder: Manage disagreements maturely and align stakeholders. Communicate proactively and help bring clarity around deliverables and owners.
- Results Oriented: Deliver on short-term goals and long-term milestones set by business.

Attributes we are looking for -

- Must be MBA/Graduate and above and have at least 5 years; experience in collections.
- Experience in New age NBFCs or Banks or Fintech is mandatory.
- Decision making, work under pressure, Effective communication

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