Regional Lead - Field Collections (Gujarat)

What is CRED?

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behaviour. CRED was born out of a need to bring back the focus on a long-lost virtue, one of trust, the idea being to create a community centered around this virtue. A community that constantly strives to become more virtuous in this regard till they finally scale their behaviour to create a utopia where being trustworthy is the norm and not the exception. To build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true.

Here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? Answer: you get something close to what we have at CRED; CRED just has it better.

Here’s what will be in store for you at CRED once you join us.

There are a number of eccentricities that make CRED what it is, and there are no work timings or one-word job designations — just a continued commitment to the work and its impact.

Role and Responsibilities

• creating field infrastructure for collections portfolios for all of Gujarat
• end to end vendor management: vendor onboarding, performance tracking, vendor level capacity planning & controls, vendor billing and validation
• building, coaching and mentoring the field team; identifying team goals and evaluating team progress
• responsible for day-to-day collections field operations with holistic improvement of the credit portfolio in the territory by improving overall collections
• deliver detailed financial and behavioral trend analysis and produce robust collections, roll rates & npa projections
• maintain and communicate detailed reports to track performance against plan
• ensuring highly customer centric field collections to deliver high standards of customer experience
• be aware of what is happening on competition space and collection ecosystem and keep adding new ideas to improve collection efficiency
• examine strategic performance, spot emerging opportunities and identify threats/blockers at business, location & product level
• look for novel strategic solutions & execute support solutions like legal proceedings and skip tracing effectively, and develop creative action plans for future
• work seamlessly with other key stakeholders (front end collections, risk, product & tech) - to ensure portfolio quality & high standard of customer experience
• provide early warning feedback on fraud / default indicators to risk team

You should apply if you:

• possess at least 5 years of relevant collections experience in financial services
• hold at least 1 year of experience in fintech collection space
• possess the required knowledge and flare to work with new technology solutions and ability to get deep into problem solving of critical concerns
• possess exceptional analytical, problem solving and research skills and resource knowledge
• have the ability to manage large teams with approach to coaching and training your team members
• have the ability to see the bigger picture in mind and have the decisiveness to affect the long-term viability of the product

About life at CRED

how is life at CRED? working at CRED would instantly make you realise one thing: you are working with the best talent around you. not just in the role, you occupy, but everywhere you go. talk to someone around you; most likely you will be talking to a singer, standup comic, artist, writer, athlete, maybe a magician. at CRED people always have talent up their sleeves. with the right company, even conversations can be rejuvenating. at CRED, we guarantee good company.

hard truths: pushing oneself comes with the role. and we realise pushing oneself is hard work. this is why CRED is in the continuous process of building an environment that helps the team rejuvenate itself: included but not limited to a stacked, in-house pantry, with lunch and dinner provided for all the team members, paid sick leaves and comprehensive health insurance.

to make things smoother and to make sure you spend time and energy only on the most important things, CRED strives to make every process transparent: there are no work timings because we do not believe in archaic methods of calculating productivity, your work should speak for you. there are no job designations because you will be expected to hold down roles that cannot be described in one word.

there are many more such eccentricities that make CRED what it is but that’s for one to discover. if you feel at home reading this, get in touch