Ensuring timely recovery of EMIs and minimizing delinquencies across affordable housing finance portfolios. Maintaining portfolio quality, reducing NPAs, and ensuring compliance with regulatory and internal policies. Required Candidate profile Strong exposure to field collections, legal recovery, and team management across geographies. In-depth knowledge of the housing finance sector and collections-related legal processes

Job Purpose To manage and drive the collections strategy and operations for a designated zone, ensuring timely recovery of EMIs and minimizing delinquencies across affordable housing finance portfolios (primarily LAP, HL, etc.). The role is critical in maintaining portfolio quality, reducing NPAs, and ensuring compliance with regulatory and internal policies. Key Responsibilities 1. Strategic Planning & Execution Develop and implement zonal collection strategies aligned with the organizational goals. Monitor zone-specific collection KPIs, including bucket-wise resolution, roll-back rates, and overall delinquency control. Coordinate with central analytics to identify trends and high-risk segments. 2. Team Management Lead, train, and mentor a team of Area Collection Managers (ACMs), Collection Officers, and third-party collection agencies. Allocate targets and review performance regularly to ensure productivity and compliance. 3. Collections Operations Oversee collections for soft buckets (0–30 DPD) and hard buckets (60+ DPD), including NPA and write-off recovery. Monitor field collections, skip tracing, and legal recovery processes such as SARFAESI. Liaise with legal teams to initiate recovery under regulatory frameworks when required. 4. Agency & Vendor Management Empanel and manage third-party collection agencies across the zone. Ensure proper training, SOP compliance, and ethical recovery practices. 5. Reporting & MIS Provide accurate and timely MIS reports on collection performance to management. Highlight risks and propose mitigation strategies proactively. 6. Compliance & Audit Ensure adherence to RBI guidelines, internal collection policies, and fair practices code. Prepare for audits and implement corrective actions based on audit findings. Key Performance Indicators (KPIs) Bucket-wise collection efficiency Reduction in NPA % Legal recovery resolution rates Agency productivity & compliance Cost of collections Qualification & Experience Graduate/Postgraduate in Business Administration, Finance, or equivalent. 8–12 years of experience in collections, preferably in affordable housing finance or NBFC. Strong exposure to field collections, legal recovery, and team management across geographies. Skills & Competencies Excellent leadership and interpersonal skills. Strong analytical and decision-making ability. In-depth knowledge of the housing finance sector and collections-related legal processes. Willingness to travel extensively within the assigned zone. High level of integrity and customer sensitivity. Show more Show less

1) Sales and Business Development - Home Loan/ LAP. 2) Branch Operations 3) Customer Relationship Management 4) Team Handling Minimum 3–5 years in housing loans or related fields, with at least 2–3 years in a dilipkumar.p@agrimhfc.com/9916496474

Ensure and collect the data from respective departments and input to regulatory format to submit prior due date, Coordination with internal , statutory and regulatory auditor for due diligence and compliance fulfillment. Required Candidate profile Preparation of presentation on regulatory compliance update for the board and senior management, Hands on experience in implementing NHB / RBI regulations applicable for HFCs

Key Responsibilities: Sales and Business Development: Managing sales activities, setting and achieving sales goals, and developing new business. Generating leads through various channels, including open market, DSAs, and channel partners. Counseling potential customers on home loan options and products. Building and maintaining relationships with clients and channel partners to drive sales. Relationship Management: Developing and maintaining strong relationships with clients and channel partners. Resolving client issues and concerns in a timely and efficient manner. Identifying and addressing customer needs and preferences. Market Development: Identifying new business opportunities and expanding existing client base. Analyzing market trends, competitor activities, and customer needs to identify growth opportunities. Developing and implementing sales strategies to achieve business objectives. Skills and Qualifications: Strong sales and negotiation skills. Excellent communication, interpersonal, and relationship-building skills. Experience in sales, marketing, or a related field. Bachelor's degree in a relevant field. Show more Show less

Customer credit assessment, quality of the Loan Book and credit quality of customer at the time of onboarding, Manage the credit appraisal of loan applications/ scrutiny of relevant documents/ income statement. Required Candidate profile 3 years+ in retail credit, risk and policy functions with Housing Finance, NBFCs or Banks across geographies.

Understands the work of sales process, credit underwriting, documentation and processing for secured loans and work in close coordination with Sales, Credit and Operations. Required Candidate profile Basic understanding of credit evaluation principles. Strong knowledge of affordable housing loan regulations and government schemes.

Ensure disbursement of all the HL and LAP files as per NDC checklist and agreed turn around time, post disbursement activities like NACH registration , CERSAI charge creation , OTC compliance , docket storage , PDC management Required Candidate profile Prior experience in Housing Finance/NBFC/Banks handling loan ops, disbursement, or back-office processes.

Ensure disbursement of all the HL and LAP files as per NDC checklist and agreed turn around time, post disbursement activities like NACH registration , CERSAI charge creation , OTC compliance , docket storage , PDC management Required Candidate profile Prior experience in Housing Finance/NBFC/Banks handling loan ops, disbursement, or back-office processes.