Head of Portfolio at Gamma Mobility

POSITION SUMMARY:

• The Head of Portfolio is the single accountable owner of post-handover rider economics across the country. The role exists to deliver three co-equal outcomes — cohort repayment performance, recovery effectiveness, and portfolio execution discipline — through central function managers and the city-level execution teams that follow the standards this function sets.
• The Head of Portfolio is responsible for translating company underwriting expectations into operational reality: building and running the collections framework, owning the recovery operating model, setting our portfolio operations standards, and managing the loss mitigation process and owning the operating mechanisms that drive portfolio performance across the customer lifecycle. This function begins after the credit decision and the vehicle handover, and should ideally end with either a fully repaid lease, contract termination, or another approved closure pathway.

Portfolio Health & Cohort Outcomes

• Own country-level portfolio outcomes — repayment rate, cohort delinquency, portfolio at risk, and recovery rate — measured against underwritten expectations.
• Own portfolio migration metrics including PAR performance, roll rates, cure rates, delinquency progression, and recovery conversion across all portfolio cohorts.
• Build and maintain a cohort view that tracks every onboarded captain forward through their lease life, attributable to city, source, vehicle type, risk band, repayment behaviour, and recovery outcomes.
• Hold portfolio quality in tension with deployment pace — protect long-term cohort economics by signalling when growth velocity is outrunning the system's ability to absorb it.
• Represent portfolio health at senior leadership level, with the authority to call for strategy modifications when cohort signals breach defined thresholds.

Collections Framework & Station Operations

• Own the end-to-end collections operating model — from first-payment-missed through delinquency progression, including escalation logic, customer contact discipline, and the transition into recovery.
• Set productivity standards across the collections team; design caseload management and incentive structures that reward outcomes, not activity.
• Build the technology and data instrumentation required to manage portfolio quality proactively — early-warning signals, automated repayment plans, and real-time visibility for customers and operators.
• Set and enforce the operating standards for how stations function as the daily touchpoint with captains — compliance enforcement, telematics performance, rider engagement, telematics performance, attendance monitoring, asset accountability, escalation management, and operational discipline.
• Enforce daily payment compliance at station level through clear, consistently applied operating rules.
• Develop and enforce the Franchise Station Owner engagement and accountability framework — including commercial contracting, performance standards, penalty structures, and performance tracking.

Recovery & Emergency Operations

• Own the recovery operating model — ensuring all triggered recoveries are executed in line with defined process, SLA, and case economics, and that recovery decisions reflect cohort-level value rather than case-level effort.
• Drive recovery strategy based on portfolio economics, balancing recovery costs, expected recoveries, asset value, customer behaviour, and long-term portfolio outcomes.
• Coordinate the recovery execution framework to drive improved recovery efficiency — including assignment productivity, contact-to-conversion rates, and payment recovery yield per case.
• Manage the recovery task queue end-to-end — including ageing of open tasks and timely resolution of all urgent cases.
• Own the Automated Repayment Plan framework as the primary churn-reduction lever — including offer triggers, acceptance terms, and post-acceptance performance monitoring.
• Ensure all executed recoveries are completed and closed within stipulated SLA, with clear closure status and audit trail.
• Own the emergency response process for all incident triggers — ensuring the recovery team responds within defined SLAs to attempt retrieval, attend scene, and protect captain wellbeing and assets.
• Ensure all emergency tasks are resolved and closed within stipulated SLA, with clear closure status — either successful resolution or formal escalation to exception.

Cross-Functional Engagement & Data Stewardship

• Partner with Risk to feed delinquency insights into the credit gate, distinguishing credit issues from collections issues.
• Partner with city leadership on execution — setting the framework cities execute, holding cities to standard, and adjudicating where execution falls short.
• Engage key business functions to ensure portfolio data is instrumented correctly, dashboards are accurate, and operating actions are tracked to closure.
• Champion rider behavioural data as the compounding asset of the business — ensuring portfolio operations protect, structure, and feed this asset into Gamma's longer-term financial services thesis.

People Leadership & Function Building

• Build and lead the Collections, Recovery, Station Operations, and Emergency Response functions through capable managers, setting the standard for talent, performance, accountability, and operational excellence across the portfolio organisation.
• Cultivate a culture that is direct, evidence-driven, and accountable to cohort outcomes rather than individual cases — where standards hold consistently across every city.
• Develop a bench of capable senior managers ready to scale with the business — through promotion, geographic expansion, and succession into the role itself.
• Operate as a credible peer to other country Heads — navigating trade-offs, holding ground on portfolio quality, and bringing structured judgement to senior decisions.
• Represent Portfolio at the Country Manager and senior leadership level — translating cohort realities into strategic recommendations and shaping the company's growth trajectory.

Requirements

• Master's degree in Business Administration, Finance, Economics, Statistics, or a related field.
• Minimum of 10 years of progressive operational experience, with at least 5 years in a senior role with direct accountability for portfolio outcomes in a credit-bearing business — consumer lending, asset finance, vehicle financing, microfinance, or BNPL.
• Demonstrated track record of building (not merely running) a collections or recovery function — taking a team from small to scaled, designing the systems and frameworks, not inheriting a finished machine.
• Direct experience managing field-based operational teams across multiple geographies.
• Track record of measurable portfolio improvement — specific, attributable, and defensible in detail.
• Proven experience managing functional managers (Collections Managers, Recovery Managers, or equivalent) — including hiring, coaching, performance management, and termination.
• Experience operating in a daily-repayment or high-frequency-collection environment strongly preferred.

Key Skills

• Fluent in vintage analysis, delinquency curves, recovery economics, and risk-adjusted unit economics; thinks in populations, not individual cases.
• Designs operating models, standard operating procedures, and team structures rather than running everything personally.
• Excellent data fluency and scepticism - reads dashboards critically, asks what is being measured before answering what to do, and instruments operations for proactive management.
• Strong proficiency in portfolio analytics, cohort analysis, delinquency management, recovery performance measurement, and operational dashboard design.
• Ability to hold the line on portfolio quality against deployment pressure, and to deliver hard feedback to functional managers and city teams.
• Written and structured thinking - narrative-first communication, decision documents, structured cohort reviews, clear escalation.