‍Role Overview: 
Strategy

● Design collection strategies and procedures to ensure a robust debt recovery mechanism
● Develop and maintain policies and SOPs for the collections team
● Ensure that the latest technologies used in collections/recoveries are incorporated within Kuhoo’s collections
    framework
● Develop differentiated intervention strategies (field collection models,communication strategies etc.) and
    segregation of customers into segments based on risk assessment
● Analyse delinquency reports, monitor and identify trends in collections and provide useful feedback to product and
   credit teams to aid in amending policies/products from time to time in line with risk tolerance/appetite

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Monitoring & Review

● Strong knowledge of legal mechanisms for effective Collections management
● Identify, empanel, train and retain the desired agencies at regional/national levels
● Develop and maintain reporting systems to manage, monitor and report activities related to collection, recovery,
    overdue/NPA loans
● Conduct audit during branch visits to enable adherence to defined activities (e.g.tele-calling, joint visits, group visits etc.)
    and take remedial actions to reduce / eliminate audit queries
● Drive performance orientation through regular monitoring and review of performance parameters and providing feedback to
    team members
● Constantly review and update employee monitoring mechanisms and MIS to ensure KPIs are accurately measured, analysed
   and reported

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FCU/RCU

● Supervise risk control, Fraud Control (FCU/RCU), Investigations & Field Verifications activities in the allocated area
● Pre-disbursement sample verification for checking authenticity of documents
● Conduct periodic branch process reviews of the allocated branches.
● Pre disbursement sample verification for pre defined parameters
● Identify early default cases for scrutiny to ascertain reasons for delinquency
● Detection and investigation of frauds.
● Coordinate with RCU agencies for conducting risk verifications.Compliance and Governance
● Ensure compliance with all relevant policies and procedures
● Provide for continuous ongoing training so that all employees are suitably skilled and qualified for their roles
● Ensure adherence to prudent social and legal norms during customer interactions

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Other Requirements

Must Have

● Proven experience in collections and working within Organisations collections framework

Should Have

● Proven experience in legal mechanisms for effective Collections management

Nice - to - have

● Experience in fintech and financial services.
● Experience with a start-up in the digital lending sector
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Qualification & Experience

● MBA/CA is preferable
● 2-5 years’ experience in retail Risk management, especially in unsecured lending products
   Like Education Loan/Consumer Loan /STPL in renowned banks or renowned fintech

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