PumPumPum
Website:
pumpumpum.com
Job details:
About PumPumPum
PumPumPum is India's first asset-light vehicle leasing technology platform. We partner with corporates to offer their employees a tax-efficient, hassle-free car leasing experience — no ownership, no depreciation worries. Backed by institutional investors, we are scaling rapidly across India's top metros. This is your chance to be part of a fast-moving, impact-driven mobility startup.
Role Overview
We are looking for a hands-on Collections & Billing leader who can own the entire recovery cycle end-to-end — from monthly billing and follow-up to hard collection, legal action, and on-ground recovery of delinquent and NPA accounts. This is a field-and-desk role: the right person is equally comfortable running a disciplined billing and follow-up engine and driving hard, legally-backed recovery on the ground. Prior experience handling secured-asset (vehicle) collections and coordinating legal proceedings is strongly preferred.
Key Responsibilities
Billing & Invoicing
- Generate monthly billing accurately as per applicable GST and CESS.
- Share monthly billing with both corporate and retail clients on time.
- Ensure activation of e-NACH for all clients before the first instalment falls due.
- Handle billing and collection of Delayed Payment Charges (DPC).
Collections & Recovery
- Own retail and corporate collections, bucketing, and recovery targets.
- Follow up rigorously through emails, calls, and field visits after billing is shared.
- Maintain minimum delinquency through strong, structured follow-up.
- Do bucketing of delinquent clients and drive bucket-wise recovery plans.
- Identify NPA accounts and coordinate with recovery agencies to collect delinquent amounts in minimum time.
Hard Collection & Legal / Ground-Level Legal Operations
- Drive hard collection on chronic defaulters, including field recovery and, where applicable, repossession of the subscribed vehicle in line with company policy and legal process.
- Initiate and manage legal proceedings against defaulters — legal notices, cheque-bounce (Section 138) cases, arbitration, and coordination with lawyers and collection agencies.
- Own ground-level legal operations: appointment and management of field recovery agents, repossession coordination, seizure documentation, and liaison with local authorities as required.
- Ensure all hard-collection and repossession activity is fully compliant with applicable laws, RBI/regulatory guidelines, and internal code of conduct.
- Maintain a clean legal case tracker — status, next hearing, recovery outcome — for every account under legal action.
Coordination & Reporting
- Coordinate closely with Accounts Receivable and other stakeholders — Sales, Operations, and Legal — to maximise collections.
- Share the Collections MIS periodically with all stakeholders and drive discussion on the course of action to minimise delinquency.
Desired Candidate
- 3–5 years of prior experience in the Collections department of an NBFC, Fintech, or lending business; hands-on exposure to hard collection, legal recovery, and field/ground-level recovery operations is essential.
- Working knowledge of the collections legal toolkit — legal notices, Section 138 (cheque bounce), arbitration, repossession, and coordination with recovery agents and lawyers.
- Bachelor’s degree in Finance / Accounting or a related field; a Master’s degree is an added advantage.
- Expert in Excel and comfortable with billing/collections MIS.
- Excellent verbal and written communication skills.
- Strong, relentless follow-up skills and the ability to work to strict timelines.
- Willingness to travel for field recovery and legal coordination as required.
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