Collection head - MIB

As a Collections Manager for Micro Enterprises Banking (MIB) segment, your role involves overseeing Pan-India collections for all products, ensuring key performance parameters like credit losses and delinquencies are met, and implementing efficient collections processes while fostering a culture of customer service within the team. Key Responsibilities: - Design and implement agile, scalable collection strategies for MIB Segment. - Collaborate with product, credit, and analytics teams to refine customer segmentation and risk triggers. - Manage the operating framework, provide guidance, and ensure high performance standards. - Support in developing the workforce plan for the division. - Monitor delinquency trends, collection efficiency ratios, roll forwards, and cure rates. - Implement proactive interventions in high-risk segments through data-led insights. - Work on Early Warning Systems (EWS) Triggers with Business & Credit Teams. - Build and lead a high-performing in-house collections team. - Monitor team performance, compliance, and field productivity through KPI-based frameworks. - Ensure adherence to regulatory codes and ethical conduct in collections. - Address escalations and grievances promptly and in a structured manner. - Maintain a zero-tolerance policy for misbehavior, coercive tactics, or reputational risks. - Aim for minimal attrition within the collections team. Qualifications: - Essential: Graduate / Postgraduate in Finance, Management, or related field. - Preferred: Minimum of 20 years of experience in collections, with at least 5 years in MSME Segment or related segments in a private sector bank or NBFCs. Required Skills: - Customer and Quality Focus - Professional Entrepreneurship - Drive for Results - Influence and Impact - Integrity - Lead and Develop people - Enables Change - Build transparent and inclusive teams Preferred Skills: - Experience in managing collections in a private sector banking environment. - Strong operational rigor and commercial acumen. The company is dedicated to fostering diversity and inclusivity within the workplace.,