MobiKwik - Associate Director - Collections

About us :

We are a Fintech company one of the largest mobile wallets and one of the largest Buy Now Pay Later (BNPL) players in India. We are focused towards empowering 101M+ users with Financial Independence. Founded in 2009 by Bipin Preet Singh and Upasana Taku, we commenced operations as a mobile wallet to make digital payments convenient for our users. Our use cases have since expanded to include bill payments, ecommerce shopping, food delivery, petrol pumps, large retail chains, pharmacies, kirana stores, etc. Our platform also enables peer-to-peer payments via unified payment interface (UPI), MobiKwik Wallet as well as MobiKwik Wallet to bank payments. Over the years we have amassed over 101 million Registered Users and more than 3 million ecommerce, physical retail and biller partners.

In May 2019, we launched MobiKwik Zip, our flagship BNPL product, with a focus on the Indian middle-class population to enable them to make payments for daily life use cases. MobiKwik Zip is focused on providing this unserved Indian population their first experience of credit. We are a technology-first company leveraging big data analytics and deep data science (including machine learning) to continuously delight users and merchants on our platform. Our mission is to build a world class payments and credit product for Bharat!

Responsibilities :

- Setting up and managing tele-calling people/agencies for PAN India

- Setting up and managing field collection agencies for PAN India

- Responsible for controlling the roll rates and recovery of overdue from the delinquent pool & controlling bucket wise delinquencies PAN India

- Soft collection calling and reminder calling for emi payment to customers informing about the due date, payment due and mode of payment available for payment

- Managing the NPA along with managing the cost of collection

- 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

Requirement :

- Ability and willingness to learn the process and digital orientation

- Ability to manage a large pool of customers

- 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

Ideal Candidate :

- The candidate should be handling the managerial role in top NBFC's or Banks in collection for retail unsecured loans or credit cards or small-ticket loans

- The candidate should have a team management role. This experience is a must.