Role: Manager - Collections Specialist Team

Experience : 7+ years

Location: Delhi

About SmartCoin:

We are on a mission to create India’s largest fully automated financial Inclusion organization by providing an array of financial services such as micro-loans to the vast underserved middle/lower income segment. Being in the Top 10 Google Launchpad-backed AI/ML Tech start-ups, you will meet the first-hand challenge of building & scaling the business. You will work with some of the brilliant minds across the industry who passionately feel about solving the macro issue of Financial Inclusion.

We are present in over 18,000 pin codes in the country and have served over 6.6Mn users across India. The user profile ranges from Micro-entrepreneurs, small retailers, Blue-Gray collared workers, and Salaried employees across sectors.

You will be one of the key owners of Petabytes of data and drive organizational growth by extracting & applying data-driven insights. You will also get an opportunity to work and patent your AI/ML tech.

Our Values:

1. Excellence – in everything we do: Take responsibility for the quality & timelines of your actions & own the results till closure

2. Empathy – Put yourself in other’s shoes first, work collaboratively, put aside the individual in you & work towards the larger benefit of all

3. Innovation – Constantly think ahead, and build something new & different. Don’t fear failing, but keep experimenting

4. Perseverance – Never Give Up Attitude. Don’t settle for a “No”

5. Agility – Speed Matters Always

Our Culture

Are you someone who thrives on working on cutting-edge technology? Working with innovators in the early stages of ideas, products, or platforms?

Do you want to transform an industry? Crave new challenges and solve hard customer problems using the latest in software technology? Are you the one who loves to work in chaos & ready to get your hands dirty?

Then SmartCoin is the place for you to be!

We are a very close-knit organization and hence we are very approachable too - we believe in teamwork & innovation. We are result-oriented teams with a lot of fun along the way. We regularly recognize the good work of our team members and support them to excel beyond their potential

What can you expect?

If you are a high performer, then you can expect to own a part of the company in the form of ESOPs

You can expect the most competitive salaries in the market (in the 90th percentile)

Open Culture to voice out your opinions freely

An opportunity to learn from the best in the industry

Have an impact on the lives of Billions of People by financially uplifting them

Come help us re-imagine our solutions to provide world-class, best-of-breed solutions to delight our customers and make a major impact on the FinTech industry

Responsibilities:

1. Managing and Supervising the tele-calling team, and collection agencies, Skip tracing for unsecured loans, and ensuring smooth flow of work.
2. Responsible for collections and recovery of overdue payments from customers and to maximize overall profitability.
3. Guiding and driving the collection force to achieve the set targets of their respective locations.
4. Making calls on high-risk delinquent accounts, settling accounts, and resolving customer queries.
5. Responsible for achieving the target from Risk X to Written off cases and reducing the delinquency rate of the locations.
6. Ensuring all process parameters set by the company are adhered to and monitored Responsible for hiring new collection agents/executives for dpds/locations as per requirements
7. Taking regular reviews from all the agents/ collectors for the assigned pool Managed pre-emi team making reminder calls to make customers aware of the payment dates and managing and following up with the tele calling the agency for case resolution Execute plans as per the MIS reports on a number of cases, current portfolio size of Front-End cases and strategize collections and recovery based on resolution trend, bucketing, etc.