Manager - collection

Key Responsibilities Collection Operations • Manage collections across Pre-Due, Soft Bucket, Hard Bucket, and Recovery portfolios. • Ensure achievement of monthly collection and recovery targets while maintaining portfolio quality. • Monitor delinquency trends and implement corrective actions to minimize roll rates. • Conduct periodic performance reviews with internal collection teams and external collection agencies. • Develop and implement effective allocation strategies to maximize collection efficiency. • Drive digital and technology-enabled collection initiatives to improve customer engagement and recoveries. • Prepare delinquency projections and recommend corrective action plans. • Analyze collection trends and provide early warning indicators to the Credit and Fraud Control Unit (FCU) for proactive risk mitigation. • Identify and implement automation opportunities to improve collection productivity and operational efficiency. Agency Management • Identify, onboard, and manage collection agencies based on business requirements. • Monitor agency productivity, quality, compliance, and recovery performance. • Conduct regular business reviews with agency partners and ensure adherence to SLAs. • Recommend corrective actions for underperforming agencies. Legal Collections • Support the empanelment of advocates and legal recovery partners. • Monitor legal recovery cases and ensure timely follow-up and resolution. • Coordinate with legal teams to improve recovery outcomes through effective legal strategies. • Track legal performance metrics and recommend improvements. Process Excellence & Compliance • Ensure strict adherence to RBI guidelines, Fair Practices Code (FPC), internal collection policies, and regulatory requirements. • Strengthen collection processes, including payment reconciliation, documentation, and statutory compliance. • Coordinate internal and external collection audits and ensure timely closure of audit observations. • Identify opportunities for process improvements and implement best practices across the collections function. • Ensure ethical and customer-centric collection practices across all collection channels. Stakeholder Management • Work closely with Credit, Risk, Operations, Finance, Legal, and Fraud Control teams to improve portfolio performance. • Present portfolio performance, collection trends, and recovery updates to senior management. • Support strategic initiatives aimed at reducing delinquency and improving customer repayment behaviour. Eligibility / Qualification Graduate in any discipline (Mandatory). DRA Certification will be an added advantage. Experience Required 4–5 years of experience in Collections within an NBFC, Bank, or FinTech. Minimum 2–3 years of experience in leading a collections team.

Experience in unsecured loan collections (Personal Loan, Consumer Loan, Business Loan, or Digital Lending) is preferred.