Collections Manager

About the Company

InCred Financial Services is a Mumbai‑based, RBI‑registered NBFC that uses technology and data science to simplify lending. They offer a range of financial products including unsecured personal loans, education loans, MSME/merchant finance, and supply-chain financing via a fully digital process.

Responsibilities

• Manage and drive recovery operations for unsecured personal loans across assigned territory
• Monitor and control portfolio delinquency, especially early and late-stage buckets
• Recruit, train, and manage field collection teams and recovery agencies
• Develop and implement collection strategies to improve recovery efficiency and cost-effectiveness
• Ensure adherence to compliance guidelines and maintain ethical recovery practices
• Liaise with legal teams for escalated recoveries including settlements, arbitration, and legal actions
• Use data insights and MIS reports to track performance and highlight portfolio risks
• Conduct field visits, audits, and surprise checks to ensure process hygiene
• Coordinate closely with credit, risk, and operations teams for seamless process flow

Requirements

• 3+ years of experience in collections and recovery
• Experience managing unsecured loan portfolios
• Ability to lead field collection teams and agency partners