regional collection manager bangalore - flows

prefr (operated by CreditVidya) is a digital-first lending platform that makes credit accessible to millions across India. with loan offerings ranging from ₹50,000 to ₹5 Lakh, we’re enabling instant personal loans and flexible pay-later credit lines, especially for first-time borrowers and underserved regions. backed by RBI-approved NBFC partnerships, we’ve built a platform that uses selfie-based KYC, minimal documentation, and AI-powered underwriting to disburse loans within minutes.

what will you do?

own collection performance for the assigned geography and buckets; understand local portfolio characteristics, monitor portfolio movement, and drive resolution and recovery outcomes.

lead, coach, and develop the collections team; set clear expectations, review productivity and performance, and drive the team towards collection targets.

manage collection agencis across the assigned geography; ensure adequate capacity, drive productivity and resolution outcomes, and maintain adherence to quality and compliance standards.

own resolution and recovery targets for the assigned portfolio; analyse MIS and key recovery metrics, identify performance gaps, and implement corrective actions to improve outcomes.

lead the implementation of collection strategies across calling and field operations, including tracing, legal recovery, dual allocation, and other relevant recovery levers.

ensure adherence to collection processes, RBI guidelines, company policies, and Prefr’s code of conduct; proactively identify and address compliance or process gaps.

ensure disciplined execution of field operations by tracking input metrics such as visits, on-time visits, allocation, and disposition.

manage the region in a cost-effective manner and ensure collection costs remain within defined guardrails.

proactively identify geographical, capacity, agency, and portfolio-level challenges and raise timely red flags.

work closely with operations, risk, legal, analytics, and strategy teams to resolve dependencies and improve collection outcomes.

provide feedback and recommendations to central strategy and policy teams based on regional challenges and opportunities.

play an active role in hiring and developing collection talent for the region and contribute to hiring across other regions as required.

you should apply if you:

• have 10+ years of experience in collections, preferably across unsecured PL portfolios.
• have strong knowledge of the geography being hired for and the local collections ecosystem.
• have experience managing large portfolios, collection teams, and agency partners.
• have strong understanding of recovery metrics, collection strategies, and portfolio performance.
• are data-driven, result-oriented, and able to diagnose and solve collection challenges.
• have strong understanding of the code of conduct and can drive compliant, customer-centric collections.
• are proficient in the local language and comfortable working with cross-functional teams.