Job Purpose: You will own and manage collections recovery operations at a state level for Prefr s digital PL portfolio. You will be accountable for three key metrics within your region - achieving ROR for the area assigned, ensuring implementation of the governance framework and model within the territory. This role focuses on optimizing recovery efforts, managing teams and agencies, and ensuring that recovery targets are met while maintaining adherence to organizational policies and guidelines. What you will do: Area Management Operational Leadership: Manage recoveries operations across a defined state/region, ensuring that collection processes are adhered to and targets are met. Team Management: Lead and develop a team of CMs, providing training, coaching, and performance management to ensure effective collections. 2. Performance Management Target Achievement: Drive the team to achieve ROR collection targets and metrics. 3. Agency Management Agency Coordination: Manage relationships with external collection agencies, ensuring they adhere to organizational standards and deliver the required outcomes. Agency Performance: Evaluate agency performance regularly and address any issues to improve efficiency and effectiveness. 4. Process Adherence Collection Processes: Ensure that all collection processes, including account allocation, visit schedules, and reporting, are followe'd accurately and timely. Governance and Compliance: Oversee adherence to governance processes, ensuring that all activities comply with organizational policies and regulations. Horizontal responsibilities: Proactively raise red flags and challenges on issues within your region - related to capacity shortage, attrition, upcoming local challenges etc