Experience Senior · 6+ yrs (4–6 years)
About the role
structured by ORINew Report: Comprehensive analysis of Account Aggregator adoption and industry benchmarks across BFSI ecosystems New Report: Comprehensive analysis ofAccount Aggregator adoptionRead more >XTalk to an Expert Lead - Collections Strategy & OperationsYears of Experience: 4-6 YearsAbout usWe are an AI-first collections…
What you will do
- Segment every client portfolio by DPD bucket, product, ticket size, geography, vintage and payment behaviour, and design differentiated treatment paths across the full lifecycle.
- Decide which accounts go to voice AI, WhatsApp bot, IVR, SMS and payment links versus human tele-callers and field agents.
- Carry the number: resolution and recovery rates, roll-forward and roll-back movement, kept-PTP rates and monthly targets, per client.
- Own cost per resolution, AI-to-human deflection, agent productivity and capacity planning.
- Translate strategy into requirements for the voice AI, bot and engineering teams: call flows, objection and intent handling, disposition taxonomy, allocation and dialer logic, data feeds.
What they are looking for
- 4–6 years in collections strategy at a tech-first or digital-first collections agency, fintech, NBFC or bank — with hands-on ownership of multiple portfolios, not a single product line.
- You have personally built segmentation and treatment strategies across the delinquency curve, and can talk fluently about roll rates, flow rates, resolution curves and cost-to-collect economics.
- Strong data orientation. SQL and advanced Excel are non-negotiable
- Practical experience with dialers, collections CRMs, WhatsApp BSPs and voice AI or bot platforms — and the ability to write clear requirements for a product and engineering team.
- Client-facing maturity to run bank and NBFC reviews, MIS discussions and audits independently.
- Working knowledge of RBI collections and recovery agent guidelines, with instincts for keeping automated channels compliant.
- An operator's temperament: you design the strategy, then sit with the floor until it works. Comfortable with ambiguity, allergic to hand-offs.
Nice to have
- Comfort with propensity models and scorecard-driven allocation is a big plus.
Before you apply
- To apply, send your resume to careers@ignosis.ai.
SQLExcelCollections StrategyPortfolio StrategySegmentationCRMsWhatsAppVoice AIIVRSMS
Full posting text
Experience: 4-6 Years