To manage and lead the collections operations for Consumer Durable (CD) loans within the assigned zone. Responsible for achieving collection targets, minimizing delinquencies, and ensuring compliance with regulatory and company standards across branches in the zone. Key Responsibilities: Develop and implement zonal collection strategies aligned with organizational goals. Monitor key performance indicators (KPIs) and recovery trends. Team Leadership: Supervise and guide a team of Area/Regional Collection Managers and third-party collection agencies. Conduct regular training and performance reviews for the collections team. Operational Management: Ensure timely recovery of overdue accounts in the Consumer Durable Loans portfolio. Monitor daily, weekly, and monthly collections data and MIS reports. Coordinate with credit, legal, and sales departments for recovery efforts. Compliance & Risk Management: Ensure adherence to all regulatory norms and internal policies. Handle escalated customer issues or legal cases related to collections. Agency/Vendor Management: Appoint, evaluate, and manage collection agencies/vendors. Conduct audits and compliance checks on field collections activities. Customer Handling: Address serious delinquency cases with customer-centric approaches, while protecting company interests. Promote ethical and non-coercive recovery practices. Show more Show less

Principle Accountabilities: 1.Client Relationship Management: Establish and maintain relationships with clients, understanding their financial requirements and providing tailored loan solutions. 2. Loan Assessment: Evaluate the creditworthiness of clients, reviewing financial statements, and credit reports to make lending decisions. 3. Loan Structuring: Structure loan deals that meet the specific needs of clients, ensuring they align with the NBFCs risk appetite and profitability goals. 4. Loan Portfolio Growth: Work on expanding the personal loan portfolio, acquiring new clients, and cross-selling other financial products and services. 5. Compliance: Ensure that all lending practices adhere to regulatory requirements and internal policies, including KYC (Know Your Customer) and AML (Anti-Money Laundering) procedures. 6. Market Research: Stay informed about market trends and competition to identify opportunities for personal loan growth. 7. Customer Service: Provide ongoing support and excellent customer service to business clients, addressing their inquiries and concerns. Desired Profile: 1. Educational Background: A bachelors degree in finance, Business Administration, Economics, or a related field. An MBA or professional certifications related. 2. Should understand financial statements, key financial numbers, KYC documents, bank statement, GST etc. 3. Understanding of local language in the city is a must. 4. Should have strong network of at least 15-20 active DSAs, CAs, Connectors in the city

Principle Accountabilities: 1.Client Relationship Management: Establish and maintain relationships with clients, understanding their financial requirements and providing tailored loan solutions. 2. Loan Assessment: Evaluate the creditworthiness of clients, reviewing financial statements, and credit reports to make lending decisions. 3. Loan Structuring: Structure loan deals that meet the specific needs of clients, ensuring they align with the NBFCs risk appetite and profitability goals. 4. Loan Portfolio Growth: Work on expanding the personal loan portfolio, acquiring new clients, and cross-selling other financial products and services. 5. Compliance: Ensure that all lending practices adhere to regulatory requirements and internal policies, including KYC (Know Your Customer) and AML (Anti-Money Laundering) procedures. 6. Market Research: Stay informed about market trends and competition to identify opportunities for personal loan growth. 7. Customer Service: Provide ongoing support and excellent customer service to business clients, addressing their inquiries and concerns. Desired Profile: 1. Educational Background: A bachelors degree in finance, Business Administration, Economics, or a related field. An MBA or professional certifications related. 2. Should understand financial statements, key financial numbers, KYC documents, bank statement, GST etc. 3. Understanding of local language in the city is a must. 4. Should have strong network of at least 15-20 active DSAs, CAs, Connectors in the city

Principle Accountabilities: 1.Client Relationship Management: Establish and maintain relationships with clients, understanding their financial requirements and providing tailored loan solutions. 2. Loan Assessment: Evaluate the creditworthiness of clients, reviewing financial statements, and credit reports to make lending decisions. 3. Loan Structuring: Structure loan deals that meet the specific needs of clients, ensuring they align with the NBFCs risk appetite and profitability goals. 4. Loan Portfolio Growth: Work on expanding the personal loan portfolio, acquiring new clients, and cross-selling other financial products and services. 5. Compliance: Ensure that all lending practices adhere to regulatory requirements and internal policies, including KYC (Know Your Customer) and AML (Anti-Money Laundering) procedures. 6. Market Research: Stay informed about market trends and competition to identify opportunities for personal loan growth. 7. Customer Service: Provide ongoing support and excellent customer service to business clients, addressing their inquiries and concerns. Desired Profile: 1. Educational Background: A bachelors degree in finance, Business Administration, Economics, or a related field. An MBA or professional certifications related. 2. Should understand financial statements, key financial numbers, KYC documents, bank statement, GST etc. 3. Understanding of local language in the city is a must. 4. Should have strong network of at least 15-20 active DSAs, CAs, Connectors in the city