Job Description Develop and implement collection strategies for Consumer and SME loan portfolios, including segmentation and treatment actions (e.g., phone collection, field collection, legal recovery, and outsourced collections). Monitor collection performance and portfolio trends through data analysis and reporting. Prepare and maintain daily, weekly, and monthly MIS reports for portfolio performance and collection productivity. Analyze collection effectiveness and identify opportunities to improve collection rates and operational efficiency. Improve Collection strategy and efficiency through Champion and Challenger testing. Support debt resolution programs, including restructuring and settlement arrangements for customers. Coordinate legal recovery actions and work closely with internal legal teams when required. Manage and monitor the performance of external collection agencies against established KPIs and service standards. Partner with Risk, Operations, Product, and Technology te...