Area Collection Manager

The ACM He will be responsible for end-to-end collections strategy and execution across all product lines—Farm Equipment, Commercial Vehicles, MSME, Home Loans, and LAP—covering all delinquency buckets (soft, early, mid, and hard). The role demands strong leadership, cross-functional coordination, and a deep understanding of secured and unsecured lending recovery processes.

Key Responsibilities:

Strategic & Operational Leadership

• Develop and execute state-level collection strategies for each product and bucket.
• Drive performance through data-driven insights and localized recovery models.
• Ensure optimal resource allocation across geographies and products.

Team & Agency Management

• Lead a team of Area Collection Managers, Collection Managers, Collection Officers, and outsourced agencies.
• Recruit, train, and monitor third-party agencies for field collections and legal recovery.
• Conduct regular performance reviews and field audits.

Product-Specific Oversight

• Farm Equipment & CV:

  Manage repossession, asset tracing, and auction processes.

• MSME:

  Handle both secured and unsecured recovery with a focus on business continuity.

• HL & LAP:

  Coordinate legal recovery, SARFAESI actions, and settlement negotiations.

Bucket-Wise Strategy

• Soft Bucket (1–30 DPD):

  Focus on tele-calling, reminders, and early resolution.

• Mid Bucket (31–90 DPD):

  Intensify field visits, skip tracing, and restructuring.

• Hard Bucket (90+ DPD):

  Legal action, asset seizure, and settlements.

Compliance & Risk

• Ensure adherence to RBI guidelines, company policies, and fair practices code.
• Monitor fraud indicators and escalate high-risk accounts.

Reporting & Analytics

• Provide daily/weekly/monthly MIS to senior management.

Analyze trends, recovery rates, and agency performance