Collections Manager

Collections Manager

Roles and Responsibilities

Portfolio Management:

• Monitor and manage delinquency in

  030, 3160, and 6190 DPD (Days Past Due)

  and

  NPA (Non-Performing Asset)

  buckets.
• Analyze and interpret

  MIS (Management Information System)

  reports to identify risk trends and develop action plans.
• Ensure timely follow-up on overdue accounts to reduce roll-forwards.

Strategy & Execution:

• Design and implement effective collection strategies for Personal and Business Loans.
• Segment portfolios by risk and prioritize accounts for recovery.
• Drive settlements, restructuring, and legal action when necessary.

Team & Vendor Management:

• Supervise and train in-house collection teams and external agencies.
• Monitor productivity and provide performance feedback.
• Ensure all recovery practices are

  ethical and legally compliant

  .

Compliance & Reporting:

• Ensure adherence to

  RBI (Reserve Bank of India)

  and internal compliance guidelines.
• Maintain accurate documentation of all collection efforts.
• Prepare periodic reports on performance, risk flags, and recovery ratios for management.

Customer Interaction:

• Handle escalated or high-ticket delinquent accounts personally.
• Engage constructively with customers to negotiate payment arrangements or settlements.
• Maintain professionalism and empathy in all customer interactions.

Skills Required

• Proven experience in a collections management role, with a focus on Personal and Business Loans.
• The ability to analyze and interpret

  MIS reports

  and other data to drive strategic decisions.
• Strong leadership skills to supervise and train both internal and external teams.
• A deep understanding of ethical and legal compliance, especially with

  RBI guidelines

  .
• Excellent negotiation and problem-solving skills to handle escalated accounts and customer interactions.
• Proficiency in preparing detailed reports for management review.