Senior Associate - Collection strategy, Financial Services

About the Team:
Would you like to be part of creating a unicorn within a unicorn? Solve some of the biggest challenges facing the financial inclusion of Bharat? Well, then here’s your chance! Financial Services (FS) is one of the fastest growing new businesses at Meesho. It's a large 10X opportunity for Meesho to build financial products for Bharat users and serve the unmet needs of millions of our users. And you will be at the center of this journey, building and scaling the business and serving millions of Meesho users. Meesho FS has several lines of products primarily in lending space, service sellers, users and logistics partners of Meesho.
We aspire to create one of the country’s largest financial services businesses, drawing inspiration from global giants such as Alibaba, Shopee, and Mercado Libre, who have thrived in markets comparable to India and built large financial businesses.

Role Overview:
Responsible for driving day-to-day execution of strategic initiatives across lending and financial products, working closely with Product, Technology, Business, and Operations teams to translate strategy into scalable outcomes. The role requires strong program management capabilities, the ability to analyze data to identify trends, perform root cause analysis (RCA), and continuously improve performance across processes and customer journeys.
The ideal candidate is a data-driven problem solver with strong stakeholder management and collaboration skills, capable of operating in a cross-functional environment. Prior exposure to collections or recovery strategy—across channels such as tele-calling, field, or digital—and familiarity with risk or performance metrics (e.g., portfolio health, delinquency, NPA) is an added advantage.

What You’ll Do:
• Strategy Execution & Monitoring: Implement and monitor collection strategies across different loan products (merchant and consumer), ensuring alignment with overall business objectives. This includes optimizing strategies for different delinquency buckets.
• Channel Management: Oversee the performance of various collection channels (telecalling, field agents, legal, and digital channels like SMS, email, WhatsApp, in-app notifications). Analyze channel effectiveness and recommend improvements.
• Data Analysis & Reporting: Analyze collection performance data, identify key trends, and provide regular reports on key metrics such as roll rates, recovery rates, NPA, and collection efficiency. Develop dashboards and visualizations to track performance.
• Root Cause Analysis (RCA): Conduct thorough root cause analysis for missed performance targets, identify contributing factors, and recommend corrective actions. Collaborate with other teams to implement solutions.
• Strategy Optimization: Continuously evaluate and refine collection strategies based on data analysis, market trends, and regulatory changes. Propose and implement new strategies to improve recovery rates and reduce losses.
• Vendor Performance Management: Monitor their performance against agreed-upon KPIs, conduct regular reviews, and ensure compliance with company policies and regulations.
• Collaboration: Work closely with other teams, including product, technology, risk, and operations, to ensure seamless execution of collection strategies.
• Compliance: Ensure all collection activities comply with regulatory guidelines and company policies. Stay updated on changes in regulations related to debt collection.
• Documentation: Maintain detailed documentation of collection strategies, processes, and performance metrics.

What you will need:
• 2-5 years of experience in strategy, analytics, program management, or related roles, preferably in Fintech, startups, Banking, or NBFCs.
• Strong ability to translate business strategy into execution through structured problem-solving and program ownership.
• Data-driven mindset with proficiency in data analysis tools and techniques to track performance, identify trends, and conduct root cause analysis (RCA).Excellent analytical and problem-solving skills, with the ability to develop actionable, insight-backed solutions.
• Strong communication and stakeholder management skills, enabling effective collaboration with cross-functional teams including Product, Technology, Business, and Operations.
• Understanding of risk, portfolio performance, or operational metrics is preferred.
• Exposure to collections or recovery strategy—across channels such as tele-calling, field, legal, or digital—is an added advantage, along with familiarity with metrics like delinquency, roll rates, recovery, or NPA.
• Prior experience in merchant lending or consumer lending is a plus.
• Awareness of regulatory and compliance considerations in financial services is beneficial but not mandatory.

About us

Welcome to Meesho, where every story begins with a spark of inspiration and a dash of entrepreneurial spirit. We're not just a platform; we're your partner in turning dreams into realities.

Curious about life at Meesho? Explore our Glassdoor - our people have a lot to say and they've helped us become a loved workplace in India.

Our Mission

Democratising internet commerce for everyone — Meesho (Meri Shop) started with a single idea in mind: to be an e-commerce destination for Indian consumers and to enable small businesses to succeed online.

We provide our sellers with benefits such as zero commission and affordable shipping solutions in the market. Today, sellers nationwide are growing their businesses by tapping into Meesho’s large and diverse customer base, state-of-the-art tech infrastructure, and pan-India logistics network through trusted third-party partners.

Affordable, relatable merchandise that mirrors local markets has helped us connect with internet users and serve customers across urban, semi-urban, and rural India. Our unique business model and continuous innovation have established us as a part of India’s e-commerce ecosystem.

Culture and Total Rewards

Our focus is on cultivating a dynamic workplace characterized by high impact and performance excellence. We prioritize a people-centric culture, dedicated to hiring and developing exceptional talent.

Total rewards at Meesho comprise a comprehensive set of elements — monetary, non-monetary, tangible, and intangible. Our 9 guiding principles, or "Mantras," are the backbone of how we operate, influencing everything from recognition and evaluation to growth discussions. Daily rituals and processes like “Problem First Mindset,” “Listen or Die,” our Internal Mobility Program, Talent Reviews, and Continuous Performance Management embody these principles.

We offer competitive compensation — both cash and equity-based — tailored to job roles, individual experience, and skill, along with employee-centric benefits and a supportive work environment. Our holistic wellness program, MeeCare, includes benefits across physical, mental, financial, and social wellness. This includes extensive medical insurance for employees and their families, wellness initiatives like telehealth, wellness events, and fitness-related perks.

To support work-life balance, we offer generous leave policies, parental support, retirement benefits, and learning and development assistance. Through personalized recognition, gratitude for stretched work, and engaging activities, we promote employee delight at the workplace. Additional benefits such as salary advance support, relocation assistance, and flexible benefit plans further enrich the Meesho experience.

Know more about Meesho here : https://www.meesho.io/