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AVP - Collections Analytics & Strategy
Clix Capital Services · Gurugram · 6–8 yrs
Get prepared for this role with role-specific interview questions, key concepts, skills you should know, and practical scenarios.
Apply for this Job ↗About the Role
The role is for an AVP position focusing on Collections Analytics and Strategy at Clix Capital Services, requiring 6-8 years of experience. The salary is not disclosed.
What You Should Know
- •Bucket-wise collections (0-30, 30-60, 60-90 DPD) and how strategy differs by bucket
- •Soft collections (calls/reminders) vs hard collections (field visits, legal) vs recovery on written-off accounts
- •RBI's Fair Practices Code and recovery agent conduct guidelines
- •Skip tracing - techniques to locate a borrower who's stopped responding
- •Roll rate - the % of accounts that move from one delinquency bucket to the next
Interview Questions
- 1.How would you prioritize your calling list for a 30-60 DPD bucket with limited agent bandwidth?
- 2.What's the difference between a One-Time Settlement (OTS) and restructuring?
- 3.How do you keep collections calls compliant with RBI's fair practice guidelines while still being effective?
- 4.What is roll rate and why does it matter more than absolute collections in some situations?
- 5.What field-visit protocols would you follow for a skip-traced borrower?
- 6.How do you manage a team through a target miss without it becoming a blame exercise?
Scenario-Based Questions
- 1.A borrower agrees to pay in 3 installments but misses the first one. What's your next move?
- 2.You suspect a field agent is misrepresenting themselves to pressure a borrower. How do you handle it?
- 3.Your bucket's roll rate to the next stage jumped from 25% to 40% this month - what would you investigate first?
Interview Tips
- •Come with numbers: resolution rate %, roll rate, collection efficiency - collections is a metrics-heavy function.
- •Know RBI's recovery agent code of conduct; compliance-awareness is a common screening question.
- •For senior roles, expect questions on collection strategy design (segmentation, dialer/calling algorithms), not just execution.
- •Expect at least one people-management question (a target miss, a difficult team member, cross-functional conflict) - have a real example ready.
Ready to take the next step?
AVP - Collections Analytics & Strategy at Clix Capital Services