Retail Collections Manager

15 years

0 Lacs

Posted:2 weeks ago| Platform: Linkedin logo

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Work Mode

On-site

Job Type

Full Time

Job Description

About Vivriti Group

Vivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses:

  1. Vivriti Capital Limited

    : A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has disbursed over USD 3 billion to 300+ enterprise borrowers and holds a CRISIL rating of A+.
  2. Vivriti Asset Management

    : A fixed-income fund manager, managing multiple Alternative Investment Funds (AIFs). With over USD 550 million in commitments from 900+ institutional and private contributors, Vivriti AMC has invested more than USD 600 million across 90+ entities.


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Role Overview:

The Retail Collections Manager will be responsible for overseeing collections and recovery strategies across a range of loan products, including unsecured and secured lending. The ideal candidate must bring hands-on experience in managing diverse portfolios and leading large, distributed collections teams and external partners.

Key Responsibilities:

Portfolio Ownership & Strategy:

  • Own and drive collections for a multi-product retail portfolio comprising both secured & unsecured loans including:
  • Unsecured Personal Loans
  • MSME Business Loans
  • Loan Against Property
  • Used two-wheeler loans
  • Used Commercial vehicle loans
  • Develop segment-specific strategies for early-stage delinquency, mid-bucket, and hard bucket accounts.

Team Management & Agency Handling:

  • Lead and manage internal field collections teams and oversee outsourced agency performance.
  • Implement productivity benchmarks, training, and process improvement for field teams.

Process & Compliance:

  • Ensure adherence to all regulatory guidelines (RBI, legal) and internal SOPs during the collections process.
  • Drive ethical collections practices and promote customer-centric recovery.

Performance Monitoring & Analytics:

  • Track key collection metrics (roll rates, resolution %, bounce rates) and take corrective actions proactively.
  • Prepare and present MIS/reports to senior management on portfolio health and recovery trends.

Cross-functional Coordination:

  • Collaborate with credit, risk, legal, operations, and tech teams for structured, tech-driven collections initiatives.
  • Work with legal and litigation teams on escalated cases where recovery through legal channels is required.

Key Competencies:

  • Deep understanding of secured and unsecured asset classes
  • Strong leadership and stakeholder management skills
  • High analytical orientation and data-driven decision-making
  • Excellent communication and negotiation skills
  • Experience in rural/semi-urban collections will be a plus

Location:

Experience Required:

Educational Qualification:

  • Postgraduate/MBA in Finance or related field (preferred)

Reports To:

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