Pre-Delinquency Management (PDM) Strategy & Early Risk Mitigation
- Develop a proactive PDM strategy to identify customers at risk of missing payments before they enter delinquency.
- Utilize in house tool AI-based risk models, BI Dashboard and early warning signals (EWS) to segment high-risk borrowers and implement early interventions.
- Implement automated digital engagement (SMS, WhatsApp, IVR calls, emails, in-app notifications) to encourage timely payments.
- Work closely with sales team and DSMG to improve collection efficiency in X bucket along with customer onboarding and risk profiling for better portfolio quality.
- Introduce customer education programs and financial literacy initiatives to promote responsible repayment behavior.
X-Bucket Recovery & Loss Mitigation
- Develop and execute high-delinquency (X-Bucket) recovery strategies to maximize collections from aged overdue accounts.
- Coordinate with legal, arbitration, and settlement teams to resolve X-Bucket cases through legal and out-of-court settlements.
- Implement skip tracing, asset repossession, and field collection strategies for untraceable or non-responsive customers.
- Strengthen recovery agent networks and external collection agency collaborations for high-risk accounts.
- Design performance-linked incentives and collection efficiency targets for X-Bucket recovery teams.
Digital & Technology-Based Collections
- Leverage LMS, CRM, and AI-driven analytics to track repayment behavior and optimize collection strategies.
- Implement self-service payment portals, digital repayment links, and fintech partnerships for seamless recoveries.
- Explore automated chatbots and AI-driven reminders to enhance early-stage interventions and X-Bucket recoveries.
- Work with BI teams to develop risk-based dashboards for tracking PDM and X-Bucket performance.
Compliance, Risk, & Customer-Centric Approach
- Ensure strict adherence to RBI/NBFC collection regulations and ethical collection practices.
- Work with risk and compliance teams to handle fraud-related cases in delinquency and X-Bucket segments.
- Implement fair and customer-friendly resolution approaches while maintaining collection efficiency.
Performance Monitoring & MIS Reporting
- Track PDM effectiveness, delinquency roll-back rates, and X-Bucket recovery trends through data analytics.
- Provide detailed MIS reports and insights to senior management for strategy improvements.
- Analyze root causes of slippages and propose corrective measures for portfolio stabilization.
Individual Contributor & Cross-Functional Collaboration
- Handle high-value and sensitive X-Bucket accounts for direct resolution and settlement negotiations.
- Collaborate with collections, legal, sales, and risk teams to align strategies and improve overall portfolio performance.
- Train and mentor collection officers and recovery agents on best practices in PDM and X-Bucket recoveries.
Key Skills & Competencies:
Expertise in Pre-Delinquency (PDM) management and X-Bucket recovery strategies
Strong analytical skills in delinquency forecasting, risk segmentation, and collections optimization
Experience with digital collection tools, AI-based analytics, and fintech repayment solutions
Proficiency in Excel, SQL, and BI tools for performance tracking & reporting
Knowledge of RBI/NBFC collection regulations and ethical recovery practices
Excellent stakeholder management, negotiation, and compliance handling skills
Qualifications : MBA/PGDM in Finance, Business, or a related field.
