S #2602
Applications open
Full-Time Job
regional collection manager bangalore - flows
CRED
About the role
prefr (operated by CreditVidya) is a digital-first lending platform that makes credit accessible to millions across India. with loan offerings ranging from ₹50,000 to ₹5 Lakh, we’re enabling instant personal loans and flexible pay-later credit lines, especially for first-time borrowers and underserved regions. backed by RBI-approved NBFC partnerships, we’ve built a platform that uses selfie-based KYC, minimal documentation, and AI-powered underwriting to disburse loans within minutes.
what will you do?
- own collection performance for the assigned geography and buckets; understand local portfolio characteristics, monitor portfolio movement, and drive resolution and recovery outcomes.
- lead, coach, and develop the collections team; set clear expectations, review productivity and performance, and drive the team towards collection targets.
- manage collection agencis across the assigned geography; ensure adequate capacity, drive productivity and resolution outcomes, and maintain adherence to quality and compliance standards.
- own resolution and recovery targets for the assigned portfolio; analyse MIS and key recovery metrics, identify performance gaps, and implement corrective actions to improve outcomes.
- lead the implementation of collection strategies across calling and field operations, including tracing, legal recovery, dual allocation, and other relevant recovery levers.
- ensure adherence to collection processes, RBI guidelines, company policies, and Prefr’s code of conduct; proactively identify and address compliance or process gaps.
- ensure disciplined execution of field operations by tracking input metrics such as visits, on-time visits, allocation, and disposition.
- manage the region in a cost-effective manner and ensure collection costs remain within defined guardrails.
- proactively identify geographical, capacity, agency, and portfolio-level challenges and raise timely red flags.
- work closely with operations, risk, legal, analytics, and strategy teams to resolve dependencies and improve collection outcomes.
- provide feedback and recommendations to central strategy and policy teams based on regional challenges and opportunities.
- play an active role in hiring and developing collection talent for the region and contribute to hiring across other regions as required.
you should apply if you:
- have 10+ years of experience in collections, preferably across unsecured PL portfolios.
- have strong knowledge of the geography being hired for and the local collections ecosystem.
- have experience managing large portfolios, collection teams, and agency partners.
- have strong understanding of recovery metrics, collection strategies, and portfolio performance.
- are data-driven, result-oriented, and able to diagnose and solve collection challenges.
- have strong understanding of the code of conduct and can drive compliant, customer-centric collections.
- are proficient in the local language and comfortable working with cross-functional teams.
Eligibility & process
Who can apply
See the job description for eligibility.
Skills & stack
Selection process
- As described in the employer's job posting.
Prep kit
20 resourcesStudy material 4
Aptitude Practice Questions & Mock Tests
Curated logical, quantitative, and verbal reasoning problems for the initial online screening round.
Company-Specific Interview Preparation Corner
Detailed interview experiences, exam formats, and previous test questions for CRED and tech roles.
Technical Placement Question Bank
High-yield coding cheat sheets, core CS fundamentals (OOP, DBMS, OS, Networks), and rapid revision guides.
Algorithm, DSA & Live Code Debugger Practice
Hands-on problem sets to improve coding speed and step-by-step memory debugging.
Company-specific guides 4
APTITUDE & LOGIC
Aptitude Practice Questions & Online Mock Tests
Curated logical, quantitative, and verbal reasoning problems to sharpen reasoning skills required for the initial screening test.
COMPANY GUIDE
CRED Interview Preparation Corner
Comprehensive guide covering typical interview formats, common questions, and preparation tips for CRED and off-campus tech roles.
MOCK TESTS & PAPERS
Comprehensive Interview Prep Resources & Syllabus
Collection of previous year questions, company-specific test patterns, and interview experiences for technical and HR rounds.
CODING PRACTICE
Algorithm and Data Structure Problem Set
Practice problems to improve coding proficiency and algorithm problem-solving speed for technical rounds.
Likely coding questions 4
Round-wise strategy 4
Round 1: Online Assessment (OA)
Aptitude, Quantitative Logic & 2 Coding Problems
Focus on accuracy and speed. Practice arrays, strings, and standard arithmetic puzzles.
Round 2: Technical Interview 1
Core Tech Stack (Data Structures & Algorithms, Python/Java, OOP, SQL, REST APIs, Git, Docker) & Live Code Tracing
Explain your thought process aloud. Analyze time & space complexities before coding.
Round 3: System Design & Problem Solving
Database Schemas, APIs & Architecture Basics
Clarify edge cases, diagram schemas cleanly, and discuss scalability trade-offs.
Round 4: HR & Cultural Fit Discussion
CRED Core Values, Learning Agility & Offer Terms
Demonstrate passion, strong communication, and readiness for full-time collaboration.
Technical questions 5
What is the difference between WHERE and HAVING clauses in SQL? Answer
Model answer: WHERE filters rows before any groupings are applied, while HAVING filters aggregated groups after GROUP BY has executed.
Explain SQL Window functions: ROW_NUMBER(), RANK(), and DENSE_RANK(). Answer
Model answer: ROW_NUMBER() assigns unique sequential integers. RANK() assigns identical ranks to ties and skips ranks. DENSE_RANK() assigns identical ranks to ties without skipping rank numbers.
How do you handle NULL and missing values during data cleaning in Python/Pandas? Answer
Model answer: Use .isna().sum() to identify missing values. Impute with mean/median using .fillna() or remove with .dropna(subset=[...]) depending on variance impact.
What is the difference between Star Schema and Snowflake Schema in Data Warehousing? Answer
Model answer: Star Schema has denormalized dimension tables directly connected to the central Fact table. Snowflake Schema normalizes dimension tables into sub-dimensions to minimize redundancy.
How do you calculate MoM (Month-over-Month) growth in SQL? Answer
Model answer: Use LAG(revenue, 1) OVER (ORDER BY month) to fetch the previous month's revenue and compute (revenue - prev_revenue) / prev_revenue * 100.
Behavioural & HR questions 3
Why do you want to join CRED as a regional collection manager bangalore - flows?
Highlight CRED's market reputation, recent tech innovations, and how your skills in Data Structures & Algorithms directly solve their team's objectives.
Highlight CRED's market reputation, recent tech innovations, and how your skills in Data Structures & Algorithms directly solve their team's objectives.
Describe a challenging bug or academic project roadblock and how you resolved it.
Use the STAR method: Situation (project context), Task (what needed solving), Action (specific tools/logic applied), Result (quantifiable positive outcome).
Use the STAR method: Situation (project context), Task (what needed solving), Action (specific tools/logic applied), Result (quantifiable positive outcome).
How do you handle strict deadlines or sudden scope changes?
Explain your prioritization strategy, proactive communication with mentors/peers, and agile mindset.
Explain your prioritization strategy, proactive communication with mentors/peers, and agile mindset.
Not disclosed
Bengaluru, India
See the job description for eligibility.
