Senior Collection Strategy

About Credit Saison India

Established in 2019, Credit Saison India (CS India) is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about approx 2000 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan's largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International's global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Role Overview

The role is responsible for designing, leading, and continuously optimizing the company's end-to-end collections strategy. This role balances data-driven decision-making, customer experience, regulatory compliance, and operational excellence to maximize recoveries while protecting brand reputation and customer relationships.

Key Responsibilities

Strategic Leadership

• Own and evolve the enterprise-wide collections strategy across all delinquency stages (early, mid, late, charge-off).
• Define long-term vision, roadmap, and success metrics aligned with company risk and growth objectives.
• Partner with executive leadership on portfolio performance, loss forecasting, and risk mitigation strategies.

Performance & Analytics

• Establish KPIs, dashboards, and reporting to monitor roll rates, cure rates, recovery rates, cost-to-collect, and customer outcomes.
• Leverage data analytics, segmentation, and behavioural insights to drive differentiated treatment strategies.
• Oversee testing frameworks (A/B, champion/challenger) to continuously improve collections effectiveness.

Operations & Execution

• Lead internal collections teams and/or manage third-party agencies and vendors.
• Optimize workflows, staffing models, capacity planning, and incentive structures.
• Drive automation and digital collections initiatives (SMS, email, self-service, AI-assisted outreach).

Cross-Functional Collaboration

• Work closely with Risk, Data Science, Product, Engineering, Finance, and Customer Support.
• Influence upstream credit policy and underwriting decisions using collections insights.
• Support new product launches, portfolio expansions, and M&A integration efforts.

Qualifications

• 10+ years of experience in collections, credit risk, or servicing strategy, with 5+ years in senior leadership.
• Proven track record of building and scaling collections strategies in lending, fintech, banking, or credit services.
• Strong analytical background with experience using data to drive strategy and results.
• Experience managing third-party agencies and technology vendors.
• Excellent executive communication and stakeholder management skills.