Team Lead, Collections

Who we are

We’re a team determined to challenge the status quo and make financial inclusion count for millions of under-banked individuals and small business owners by making finance simple and useful to them. Our product suite is led by credit and we’re building broader offerings for our users. Our vision is to unlock the power of finance to create opportunities for all.

We are the place for you, if

You are excited about technology and the complexities of the future. You’re looking for a place to learn and grow. You care a lot about detail and pride yourself in impeccable execution. You can collect and analyze lots of data and feed in just the right amount of intuition to make sound decisions. You are ready to work extremely hard, at a fast pace, to achieve audacious goals. You love to speak up, ask questions and are comfortable challenging anyone or any idea.

The position

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

Requirements

Requirements

• Minimum of 6 years’ experience within a digital lending environment. Candidates must have meaningful experience in digital lending/fintech businesses where collections are predominantly managed through technology-enabled channels.

• Experience should demonstrate an understanding of the digital lending lifecycle and collections across delinquency buckets.

• Minimum of 4+ years in a Team lead or supervisory capacity.

• Must have directly managed Collections Officers/Agents including agent productivity and collections performance.

• Strong understanding of delinquency management, collection strategies, treatments, credit risk fundamentals

• Familiarity with collections tools (dialers, CRM,, loan management systems)

• Data-driven approach, comfortable working with excel etc.

• Strong leadership, coaching, and people-management skills

• Excellent negotiation and conflict-resolution skills

• Knowledge of CBN lending and recovery regulations is a plus

Personal Attributes 

• Self-driven leader with strong ownership and ability to thrive under pressure.
• Results-focused, with excellent execution, analytical, and target-tracking skills.
• Innovative, always seeking better, more efficient solutions.
• Clear communicator with strong interpersonal and relationship skills.
• Organized team player, able to prioritize, meet deadlines, and collaborate effectively.

This job is perfect for you if you

• Enjoy prospecting and coming up with solutions to onboard and convert large-scale customer relationships
• Are a self-starter, take initiative, work collaboratively and can self-manage in ambiguity
• Have excellent verbal and written communication skills

You will not enjoy this job if you

• Work best in structured, hierarchical settings
• Require clear, pre-set deliverables and constant direction
• Are used to working with a large team

Benefits

• Private Health Insurance
• Pension Plan
• Paid Time Off
• Work From Home
• Training & Development
• Performance Bonus