Assistant Vice President - Debt Management

About the role:

Most collections leaders spend their careers executing collections. Here, youll build the intelligence that defines how collections happen.

For decades collections have been the same: bigger teams, more agencies, more calls. Were taking a different route. Here, were building Indias first AI-native collections company, where every portfolio strategy, borrower interaction, and operational decision is powered by data, intelligence, and AI. Were not digitising collections. Were rebuilding it from scratch.

About us:

WE is an AI-powered, full-stack collections platform transforming how banks and NBFCs manage collections across the entire delinquency lifecycle. Founded in 2023, weve grown multifolds in our journey so far and partnered with leading banks and NBFCs.

Our AI voice agents, proprietary dialer platform, digital channels, and intelligence engine help lenders collect more, faster, and smarter, while creating a dramatically better borrower experience.

What this role is really about :

• Forget everything you know about a traditional Collections management role. This isnt about managing telecallers, reviewing dashboards, or chasing monthly targets.
• This is a business leadership role as much as a collections one. Youll own the P&L for your portfolio of lender accounts and run them like a business.
• Youre not joining us to run collections alone. Youre joining us to build the operating system that will define how collections are done over the next decade.

Your mission:

• Own the business. Own the Revenue, Gross Profit, and performance of your lender portfolio, and grow wallet share across accounts. Think like a business leader, not a collections manager.
• Design winning strategies. Turn borrower behaviour and portfolio trends into bucket-wise, lender-specific strategies that consistently outperform benchmarks.
• Build the AI workforce. Define how AI Voice, AI Chat, Digital, Human Advisors, and Field work together as one intelligent workforce, and where automation beats manual effort.
• Lead high-performance TeleCollections. Lift productivity, RPC, PTP, and quality through smarter workflows, coaching, and automation, not more supervision.
• Turn data into collections. Use analytics to surface opportunities hidden inside millions of interactions and make every decision data-backed.
• Shape the product. Turn operational insight into product features that define the future of collections.

Youll love this role if...:

You get excited by questions like:

• Why do two borrowers with identical profiles respond completely differently?
• Should AI call this customer before a human does?
• Can one strategy improve collections across ten lenders simultaneously?
• Can technology eliminate 30% of manual effort?
• How do we build Indias smartest collections engine?

If those excite you more than yesterdays dashboards, youll probably love it here.

What you bring:

• 12+ years across Collections, Portfolio Management, or Debt Management.
• Experience owning commercial outcomes, Revenue, Gross Profit, or a business unit P&L.
• Deep understanding of retail lending, consumer or vehicle finance, or unsecured portfolios.
• A track record of bucket-wise strategies that lift collections, productivity, and profitability.
• Command of portfolio analytics, unit economics, and business metrics.
• Experience leading large teams, building high-performance cultures, and influencing senior stakeholders.
• Genuine curiosity about technology and excitement about using AI to solve real business problems.