ACM-Recovery, Mumbai

About PhonePe Limited:

Headquartered in India its flagship product the PhonePe digital payments app was launched in Aug 2016. As of April 2025 PhonePe has over 60 Crore (600 Million) registered users and a digital payments acceptance network spread across over 4 Crore (40 million) merchants. PhonePe also processes over 33 Crore (330 Million) transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore.

PhonePes portfolio of businesses includes the distribution of financial products (InsuranceLending and Wealth) as well as new consumer tech businesses (Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem) in Indiawhich are aligned with the companys vision to offer every Indian an equal opportunity toaccelerate their progress by unlocking the flow of money and access to services.

Culture:

At PhonePe we go the extra mile to make sure you can bring your best self to work Everyday!. And that starts with creating the right environment for you. We empower people and trust them to do the right thing. Here you own your work from start to finish right from day one. PhonePe-rs solve complex problems and execute quickly; often building frameworks from scratch. If youre excited by the idea of building platforms that touch millions ideating with some of the best minds in the country and executing on your dreams with purpose and speed join us!

The ACM leads the collections and recovery operations for a defined geographic role requires balancing high recovery volumes with strict adherence to regulatorycompliance and ethical collection practices.

Key Responsibilities

1. Recovery & Delinquency Management
Execute absolute recovery strategies for mid-to-late stage delinquency (e.g. 90DPD) and write-off pools to minimize financial losses.
Achieve monthly roll-back resolution and portfolio efficiency targets acrossassigned states or regions.
Identify early stress accounts fraudulent profiles and skip-cases and initiate promptcorrective action plans.

2. Agency & Vendor Management
Recruit onboard and manage external collection agencies field officers andchannel partners.
Conduct regular performance reviews with vendors allocate portfolios and manageincentive structures.
Audit agencies to ensure compliance with company Memorandums ofUnderstanding (MOUs) and data security mandates.

3. Legal & Regulatory Compliance
Ensure 100% compliance with RBI guidelines Fair Practices Code and ethicalcollection standards.
Coordinate with internal legal teams and law enforcement agencies for legalinterventions and speedy recovery of written-off cases.
Handle critical customer escalations and sensitive recovery cases professionally.

4. Stakeholder & Team Management
Lead mentor and monitor internal teams of Territory Managers and CollectionExecutives.
Provide regular inputs and feedback to the Risk Credit and Policy teams ongeographic portfolio health and delinquency trends.

Required Qualifications & Skills
Education: Graduate in any discipline; Post-Graduate or MBA is highly preferred.
Experience: 10 years in Banking NBFC or Financial Services collections with aminimum of 2-5 years in a leadership/zonal capacity.
Core Competencies: Analytical ability negotiation crisis management and strongstakeholder management

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

• Insurance Benefits - Medical Insurance Critical Illness Insurance Accidental Insurance Life Insurance
• Wellness Program - Employee Assistance Program Onsite Medical Center Emergency Support System
• Parental Support - Maternity Benefit Paternity Benefit Program Adoption Assistance Program Day-care Support Program
• Mobility Benefits - Relocation benefits Transfer Support Policy Travel Policy
• Retirement Benefits - Employee PF Contribution Flexible PF Contribution Gratuity NPS Leave Encashment
• Other Benefits - Higher Education Assistance Car Lease Salary Advance Policy

Our inclusive culture promotes individual expression creativity innovation and achievement and in turn helps us better understand and serve our customers. We see ourselves as a place for intellectual curiosity ideas and debates where diverse perspectives lead to deeper understanding and better quality results. PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally; regardless of gender sexual preference religion race color or disability. If you have a disability or special need that requires assistance or reasonable accommodation during the application and hiring process including support for the interview or onboarding process please fill out this form.

Read more about PhonePe on our blog.

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