Collection Manager - Digital

About Credit Saison

Established in 2019, Credit Saison India (CS India) is one of the countrys fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting Indias huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about approx 2000 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japans largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison Internationals global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Expectations And Responsibilities

• Managing the assigned portfolio by driving the collections team.
• Ensure implementation of Collections Strategies.
• Recruiting and Training In house as well as outbound teams.
• Identification and empanelment of Collection agencies to ensure proper collections coverage.
• Ensure field collection visits to customers for achieving resolution of allocated accounts.

Responsible for achieving monthly targets and bucket wise resolution targets for the assigned region.

• Managing NPA and Cost of Collections for the Region.
• Ensure maximum recoveries by collaborating with other teams including Legal/Central collections.
• Achieve target collections of Charges and Late payment penalties.
• To regularly present the performance of the assigned Region to Senior Management.
• Ensure Collection Process and Legal guidelines are adhered to and Collections Code of Conduct is followed
• Candidates should have experience in Collections with good communication skills and digital orientation.
• Experience of handling unsecured products (Digital PL,) will be an added advantage.