Central Collections Leader/Head

Designation: Central Collections Leader/Head

Location: Chembur Mumbai

CTC:15-18LPA

Experience :9-10 yrs

Ideal Candidate Profile(Skills Required)

• 9-10 years of experience in collections for secured lending portfolios (LAP, HL, Used CV) in an NBFC or HFC.(Existing Salary Should not be more than 15L).

• Proven experience in managing pan-India collections operations, with strong on-ground recovery instincts.

• Working knowledge of legal collections and enforcement processes related to secured lending.

• Deep understanding of Maharashtra markets, customer profiles, and local business ecosystems.

• Fluency in Marathi and Hindi is essential; working knowledge of other regional languages is an advantage.

• Tech-savvy and data-driven, with familiarity in collection systems, dashboards, and digital reminder tools.

• Hands-on approach comfortable in both strategic reviews and on-ground escalations.

• Entrepreneurial mindset, able to build processes and teams from scratch in a fast-growing NBFC environment.

Key Responsibilities

• Lead and oversee collections

   across all secured lending products (HL, LAP, and Used CV) for all branches and partnership locations.
• Build a 

  central monitoring and early warning system

   to track overdue cases, NACH presentations, and repayment trends across products and geographies.
• Work closely with 

  branch sales teams

   and 

  central operations

   to ensure early follow-up, timely escalations, and strong field recoveries.
• Maintain daily 

  DPD tracking dashboards

   and initiate pre-delinquency actions to prevent slippage from current to higher buckets.
• Coordinate directly with key customers on high-value or sensitive delinquent accounts as the company's senior collections representative.
• Liaise with local market intermediaries, agencies, and collection partners to enhance last-mile recovery effectiveness.
• Possess a 

  strong understanding of legal tools, processes, and frameworks

   essential for effective collection management, including initiation of legal notices, SARFAESI proceedings, repossessions, and coordination with empaneled legal partners.
• Maintain a strong 

  connect network across Maharashtra

  , with fluency in Marathi and familiarity with smaller market dynamics.
• Evaluate and onboard 

  collection technology tools and digital solutions

   to automate communication, reminders, and performance monitoring.
• Partner with internal 

  Risk, Finance, and Legal

   teams to provide insights on collection performance, portfolio stress, and recovery trends.
• Drive a 

  cost-effective collection framework

   by balancing in-house control with external partnerships.
• Develop and implement 

  SOPs, MIS templates, and escalation matrices

   for a consistent collection process across all markets.

centralized setup