Job Summary:
The Sales and Collection Head will be responsible for driving business growth through strategic sales initiatives and ensuring timely collections of dues across all verticals. The role requires a deep understanding of financial products, customer behavior, and recovery frameworks, especially in retail lending and unsecured loans.
Key Responsibilities:
Sales:
Develop and implement strategic sales plans to achieve business targets.
Lead a team of sales managers and executives to generate leads and onboard customers.
Drive disbursements for various loan products like personal loans, business loans, two-wheeler loans, gold loans, etc.
Monitor and ensure productivity, conversion ratios, and profitability.
Expand customer base through channel development, partnerships, and branch operations.
Ensure proper training and development of the sales team.
Collections:
Monitor and control the delinquency levels (DPD buckets: 0–30, 30–60, 60+).
Drive field collection and tele-calling operations to recover overdue amounts.
Formulate collection strategies and manage vendor/agency relationships.
Ensure compliance with RBI guidelines and internal credit/collection policies.
Coordinate with legal and recovery teams for escalation cases (write-offs, legal notices).
Key Skills & Competencies:
Strong leadership and team management skills
In-depth knowledge of NBFC lending operations
Analytical mindset with strong problem-solving ability
Proficiency in MS Excel, MIS reporting, and collection tools
Strong communication and negotiation skills
Understanding of regulatory compliance in lending & collections
Qualifications:
Graduate/Postgraduate in Business, Finance, or related field
Preferred: MBA/PGDM with specialization in Sales/Finance/Marketing
Prior experience in NBFC/MFI/Digital Lending space is highly desirable