ACM-Recovery

Responsibilities

• Execute recovery strategies for mid-to-late stage delinquency (90+ DPD) and write-off pools to minimize financial losses.
• Achieve monthly roll-back, resolution, and portfolio efficiency targets across assigned regions.
• Recruit, onboard, and manage external collection agencies, field officers, and channel partners.
• Conduct regular performance reviews and audits of vendors to ensure compliance with MOUs and data security mandates.
• Ensure 100% compliance with RBI guidelines, Fair Practices Code, and ethical collection standards.
• Coordinate with internal legal teams and law enforcement for legal interventions and recovery of written-off cases.
• Lead, mentor, and monitor internal teams of Territory Managers and Collection Executives.
• Provide feedback to Risk, Credit, and Policy teams regarding geographic portfolio health and delinquency trends.

Requirements

• Graduate degree in any discipline; MBA is highly preferred.
• 10+ years of experience in Banking, NBFC, or Financial Services collections.
• 2-5 years of experience in a leadership or zonal management capacity.
• Strong analytical ability and negotiation skills.
• Proven expertise in crisis management and stakeholder management.

Benefits

• Insurance Benefits: Medical, Critical Illness, Accidental, and Life Insurance.
• Wellness Program: Employee Assistance Program, Onsite Medical Center, and Emergency Support.
• Parental Support: Maternity, Paternity, Adoption Assistance, and Day-care Support programs.
• Mobility Benefits: Relocation benefits and travel support.
• Retirement Benefits: PF contributions, Gratuity, NPS, and Leave Encashment.
• Other Benefits: Higher Education Assistance, Car Lease, and Salary Advance Policy.

About the Company

PhonePe is a leading digital payments platform in India. Launched in 2016, it serves over 600 million registered users and a network of over 40 million merchants. PhonePe's diverse portfolio includes financial products like insurance, lending, and wealth management, as well as new consumer tech businesses like Pincode and Indus AppStore.