Area Collection Manager

Role & responsibilities

The Area Collection Manager (ACM) will be responsible for managing and driving collection activities for Personal Loans (PL), Two-Wheeler Loans (TW), and SME portfolios within the assigned region. The role involves handling hard bucket collections, leading a team of field executives/collection officers, and ensuring adherence to company policies and regulatory guidelines. The objective is to minimize delinquencies, improve recovery efficiency, and maintain customer relations professionally.

Preferred candidate profile

• Manage end-to-end collection operations for PL, TW, and SME loan products in the assigned area.
  
• Handle

  hard bucket collections

  (60+, 90+, write-off cases) with a strong focus on recovery and settlement.
• Lead and supervise a team of field collection executives, agencies, and recovery agents.
  
• Allocate daily work, monitor performance, and provide guidance to the team to achieve monthly and quarterly targets.
  
• Conduct field visits for high-value, risk-sensitive, or escalated accounts to support the team.
  
• Ensure adherence to collection processes, regulatory compliance, and code of conduct guidelines.
  
• Analyse delinquency trends and develop strategies to reduce bucket movement and improve recovery rates.
  
• Coordinate with legal teams for initiating legal actions such as Section 138, Arbitration, and other proceedings when required.
  
• Maintain MIS reports, track performance metrics, and share periodic updates with management.
  
• Build strong relationships with customers while maintaining firmness and professionalism in recovery.
  
• Manage and monitor collection agencies, ensuring productivity and adherence to company norms.
  
• Ensure timely resolution of customer grievances and escalations related to collections.