Collections Manager-MIB

Collections Manager-MIB

The Collections Manager MIB Segment will be responsible for formulating and executing the

collections strategy for the banks MIB Segment loan portfolio in their respective regions. This

includes managing early delinquency, reducing NPAs and ensuring regulatory compliance while

leveraging technology, analytics, and people management. The role requires high adaptability,

strong operational rigor, and commercial acumen typical of a private sector banking

environment.

Delinquency parameters viz.,

1. Collection Efficiency Levels

2. 30+% Delinquency,

3. Gross NPA Slippages

Responsibilities:-

KPIs Strategy and Planning • Design and implement agile, scalable collection strategies for MIB Segment (both secured and unsecured). • Work closely with product, credit, and analytics teams to fine-tune customer segmentation and risk triggers. • Manages and controls the operating framework for the department, provides guidance and support, ensures implementation and review of work processes in order to achieve high performance standards and continuous improvement.

• Supports the development of the workforce plan for the division by providing inputs on own departments workforce forecasts.

• Monitor key metrics such as delinquency trends (DPD buckets), collection efficiency ratios, roll forwards, and cure rates(Out of 30+). • Drive proactive interventions in high-risk segments through data-led insights and dynamic resource allocation. • Working closely with Business & Credit Teams on the Early warning systems(EWS) Triggers and working on a timebound plan for exit or improvement.

• Build and lead a high-performing pan-India in-house collections team . • Monitor performance and compliance of the team • Drive strong field productivity through KPI-based performance frameworks. • Ensure adherence to RBIs Fair Practices Code and the banks code of conduct for collections. • Address escalations and grievances in a structured and timely manner. • Ensure zero tolerance for misbehavior, coercive tactics, or reputational risk.

Education Essential: Graduate / Postgraduate in Finance, Management, or related field.

Preferred: Experience Essential: 6 plus years of experience in secured collections / business banking / SME Banking Preferred: At least 3 years in MSME Segment or related segments a bank or NBFCs.