---
title: 'Area Collection Manager - Manager - Lending Collections (Frontend) at Paytm'
canonical: 'https://feeny.ai/job/area-collection-manager-manager-lending-collections-frontend-paytm-visakhapatnam-wc9cj7av5z34'
type: 'job'
last_seen: '2026-09-12'
---

# Area Collection Manager - Manager - Lending Collections (Frontend) at Paytm

- **Company:** Paytm
- **Location:** Visakhapatnam, Andhra Pradesh
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-05-07
- **Last confirmed live:** 2026-09-12
- **Apply:** https://jobs.lever.co/paytm/7c317d05-b1ff-443f-975a-5b96e2728ac5

## Job description

## Role Overview

The Area Collections Manager will be responsible for managing end-to-end collections across bucket segments, driving resolution strategies, ensuring portfolio health, and leading large on-ground and tele-calling teams. The role requires strong expertise in delinquency management, compliance, analytics, and team leadership.

## Key Responsibilities

1. Bucket & Portfolio Management ● Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments) ● Improve resolution rates in both early and late buckets ● Focus on non-starter and delinquent accounts to prevent roll-forward ● Drive collection efficiency and overall portfolio health ● Monitor daily performance and ensure adherence to CAPE norms
2. Tele-Collections Management ● Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies ● Design and optimize calling patterns based on customer risk profiling ● Improve dialer efficiency, call connect rates, and campaign performance ● Maximize early-stage resolutions to prevent migration to hard buckets
3. Field Collections & Risk Control ● Ensure strong field discipline (app usage, visit tracking, audit trails) ● Drive legal escalation for critical/high-risk cases ● Conduct audits to identify and mitigate portfolio risks ● Maintain strong governance and control mechanisms
4. Team Leadership & Vendor Management ● Lead large teams including Collection Managers, Team Leaders, and Executives ● Manage third-party/vendor collection agencies ● Allocate portfolios and set bucket-wise targets ● Conduct daily huddles, reviews, and performance tracking ● Coach teams on negotiation, objection handling, and resolution strategies
5. Target Achievement & Performance Delivery ● Drive monthly collection targets and improve resolution ratios ● Enhance PTP (Promise to Pay) conversion and kept rates ● Focus on First-Time Delinquent (FTD) customers to reduce future NPAs ● Ensure productivity metrics such as calls, RPC (Right Party Contact), and CE% are met
6. Compliance & Governance ● Ensure strict adherence to RBI guidelines and regulatory standards ● Handle escalations and customer grievances effectively ● Maintain ethical and compliant recovery practices ● Support internal and external audit requirements
7. MIS, Analytics & Reporting ● Track and analyze KPIs: CE%, RPC, PTP, dialer metrics, and resolution ratios ● Manage large portfolio data and generate actionable insights ● Identify gaps in collection strategies and recommend improvements ● Present performance reports and insights to senior management.
8. Key Skills & Competencies ● Strong expertise in collections strategy (early & late buckets) ● Proven leadership experience managing large teams and vendors ● Analytical mindset with strong MIS and reporting skills ● Knowledge of RBI regulations and compliance frameworks ● Excellent communication, negotiation, and problem-solving skills

● Ability to drive performance in high-pressure, target-driven environments

## About Paytm

## Company Overview
- **One-liner**: Paytm is India’s leading full-stack payments and financial services platform, enabling digital payments for consumers and merchants while distributing loans, insurance, and investment products.
- **Entity Type**: Public (NSE: PAYTM)
- **Headquarters**: Noida, Uttar Pradesh, India
- **Founded**: 2010
- **Founders**: Vijay Shekhar Sharma

## Core Business
- **Primary industries**: Payments, Financial Services, Marketing Services
- **Target customers**: B2C (consumers) and B2B (MSMEs, enterprises, online platforms)
- **Mission/purpose**: “To bring 500 million unserved and underserved Indians to the mainstream economy.” [paytm.com/about-us](https://paytm.com/about-us)

## Products & Services
- **Payment Services (Consumer & Merchant)**: QR code payments, Soundbox devices (with real‑time audio confirmation), All‑in‑One POS terminals, online payment gateway, UPI (including UPI Lite), and card acceptance. _Type_: Hardware + SaaS platform.
- **Financial Services Distribution**: Merchant loans, personal loans, insurance, and equity broking (via Paytm Money). _Type_: Service / marketplace.
- **Marketing Services**: Advertising, travel ticketing (bus, movies, flights), deals & gift vouchers. _Type_: Platform / marketplace.
- **Paytm Money Ltd**: Investment platform for mutual funds, stocks, NFOs. _Type_: App / brokerage.

## Market Standing
- **Valuation / Market Cap**: Not disclosed in provided sources (publicly traded; market cap fluctuates).
- **Key Metric**: Annual revenue estimated at **$758.2M** (LinkedIn, 2025); 39,368 active on‑roll employees in FY 2025. [linkedin.com/company/paytm](https://linkedin.com/company/paytm)
- **Notable Investors / Partners**: Not listed in provided sources (historically backed by SoftBank, Ant Financial, etc. – not verifiable from search results).
- **Growth Signals**: 18.7% YoY headcount growth (+4,811 people); serves **44M+ merchants** and **300M+ consumers**; deepened penetration in tier‑2/3 cities; successfully transitioned to a Third‑Party Application Provider (TPAP) for UPI under a multi‑bank model. [paytm.com/about-us](https://paytm.com/about-us), [paytm.com annual report](https://paytm.com/document/ir/annual-reports/fy2024-25/Paytm_Annual_Report_2024---25.pdf)

## Competitive Advantages
- **Full‑stack merchant payments leader** – owns the merchant relationship, aggregates all major payment instruments, negotiates rates, and provides cutting‑edge hardware (Soundbox, POS).
- **AI‑powered operations** – in‑house platforms Paytm ARMS (merchant lifecycle insights) and Periscope (fraud detection) automate onboarding, segmentation, pricing, and retention.
- **Largest fleet of Soundbox devices** on the street, creating a sticky subscription revenue stream.
- **Massive two‑sided ecosystem** (consumers + merchants) enabling high‑margin cross‑sell of loans, insurance, and marketing services.

## Strategic Focus
- **Payment‑led growth** – continue strengthening merchant payment leadership and expanding the omni‑channel platform.
- **Scale high‑margin financial services** – loan distribution, insurance, and equity broking.
- **Embed an AI‑first approach** across all products and internal processes to drive operating leverage.
- **Explore international expansion** of its technology‑led merchant payments and financial services distribution model. [paytm.com annual report](https://paytm.com/document/ir/annual-reports/fy2024-25/Paytm_Annual_Report_2024---25.pdf)

## Why Work Here
- **Benefits**: Medical insurance for self & family, wellness webinars, mental health support, maternity/paternity benefits, ESOPs, annual bonus, car lease, mobile device lease, employee discounts (Paytm Xtras), learning reimbursement, internal job mobility. [paytm.com/careers](https://paytm.com/careers)
- **Culture**: Innovation‑driven, purpose‑oriented (“simplify lives and fuel growth for millions”), with a strong emphasis on AI and technology. [paytm.com/careers](https://paytm.com/careers)
- **Work policy**: Most roles are **on‑site** (Noida, Mumbai, and other locations). [jobs.lever.co/paytm](https://jobs.lever.co/paytm)
- **Engineering culture**: Self‑driven learning, internal mobility, and the opportunity to work on products used by hundreds of millions of users.

## Sources
1. [Paytm Careers Page](https://paytm.com/careers)
2. [Paytm Job Openings (Lever)](https://jobs.lever.co/paytm)
3. [Paytm About Us](https://paytm.com/about-us)
4. [Paytm LinkedIn Profile](https://linkedin.com/company/paytm)
5. [Paytm Annual Report FY2024‑25 (PDF)](https://paytm.com/document/ir/annual-reports/fy2024-25/Paytm_Annual_Report_2024---25.pdf)

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