Collections Manager

Job Title

Location

Department

Reporting to

Job Purpose

To manage and drive collections for the two-wheeler loan portfolio within the assigned territory. Ensure timely recovery of overdue accounts while maintaining customer relationships and minimizing credit losses.

Key Responsibilities

1. Collections Management

• Drive collections for

  090+ DPD buckets

  , focusing on early and late-stage delinquency.
• Monitor and track

  bucket-wise performance

  , ensuring targets are met across all aging categories.
• Review daily collection MIS and take necessary action to minimize roll-forwards and write-offs.
  

2. Agency & Field Team Handling

• Manage and motivate a network of

  collection agencies and in-house executives

  .
• Allocate accounts effectively based on geography, capacity, and performance.
  
• Conduct regular reviews, audits, and performance checks for agencies and field teams.
  

3. Legal & Recovery Initiatives

• Coordinate with the legal team for initiating recovery actions under SARFAESI, arbitration, or legal proceedings wherever applicable.
  
• Ensure repossession of vehicles in compliance with company policy and regulatory norms.
  

4. Customer Interaction & Resolution

• Ensure timely resolution of customer queries, disputes, and grievances related to collections.
  
• Engage with high-ticket or high-risk accounts directly for settlement or restructuring if required.
  

5. Process Compliance & Reporting

• Ensure adherence to internal collections policies, RBI guidelines, and fair practices code.
  
• Submit timely reports on collections performance, agency productivity, and recovery costs to higher management.
  

Key Skills & Competencies

• Strong understanding of

  two-wheeler loan products and delinquency management

  .
• Experience in handling

  collections agencies

  ,

  repossession

  , and

  legal recovery

  .
• Excellent people management, negotiation, and communication skills.
  
• Proficiency in MS Excel, MIS, and field operations tools.
  

Qualifications

• Graduate/Post-Graduate in any discipline (MBA preferred).
  

• 510 years

  of experience in retail finance collections, preferably with a focus on

  two-wheeler loans

  .