About the Role
Renmoney is looking for a hands-on Team Lead, Collections to manage and drive the performance of our collections team. This role is responsible for leading day-to-day collections operations, ensuring recovery targets are met, and improving the efficiency of our delinquency management processes across the loan portfolio.
Key Responsibilities
• Lead, coach, and manage a team of collections officers/agents to meet daily, weekly, and monthly recovery targets
• Monitor and analyze delinquency buckets, recovery rates, and portfolio-at-risk (PAR) metrics, taking corrective action where performance lags
• Develop and refine collections strategies and scripts across different delinquency stages (early, mid, late-stage recovery)
• Ensure collections activities comply with CBN regulations and internal risk/compliance policies
• Collaborate with Credit Risk, Product, and Customer Experience teams to improve repayment journeys and reduce roll rates
• Track and report on team performance, recovery trends, and NPL movement to senior management
• Identify process gaps in the collections workflow and recommend tools/automation to improve efficiency (e.g., dialer systems, SMS/USSD reminders, self-service repayment channels)
• Handle escalations and complex delinquent cases requiring negotiation or restructuring
• Train and onboard new collections team members on policies, tools, and best practices
• 3+ years of experience in collections, credit risk, or loan recovery within banking, microfinance, or fintech lending
• 2+ years in a team lead or supervisory capacity
• Strong understanding of delinquency management, recovery strategies, and credit risk fundamentals
• Familiarity with collections tools (dialers, CRM/ticketing systems, loan management systems)
• Data-driven approach, comfortable working with recovery rate, PAR, NPL, and roll rate metrics
• Strong leadership, coaching, and people-management skills
• Excellent negotiation and conflict-resolution skills
• Knowledge of CBN lending and recovery regulations is a plus