Regional Collection Manager

Job Summary:

The Regional Collection Manager OD Collections will be responsible for overseeing and managing overdue collections across a defined region. The role demands strategic planning, team management, field operations oversight, and ensuring portfolio health by reducing delinquencies in the OD bucket. This position is crucial to maintaining asset quality and ensuring recoveries in line with company targets and compliance norms.

Key Responsibilities:

1. Portfolio Management

Monitor and manage OD collection performance across branches in the assigned region.

Analyze delinquency trends, DPD movements, and suggest corrective action plans.

Ensure achievement of monthly and quarterly collection targets (Recovery Rate, Rollback %, etc.).

2. Team Management

Lead and manage Area Collection Managers (ACMs), Collection Executives, and Agencies.

Set performance KPIs, review progress regularly, and implement incentive structures.

Train and motivate team members on collection techniques, legal recovery processes, and customer engagement.

3. Strategy & Execution

Develop and implement regional collection strategies for early and hard bucket cases.

Allocate accounts to field executives/agencies based on risk scoring and geography.

Drive tele-calling, field visits, skip tracing, and legal actions as per policy.

4. Compliance & Reporting

Ensure adherence to RBI guidelines and internal compliance policies in all collection activities.

Maintain accurate and timely MIS reports on collections, agency performance, and legal cases.

Liaise with legal and operations teams for timely filing and follow-up of legal cases (e.g., Sec 138, SARFAESI, Arbitration).