State Head - Collections

0 - 5 years

0 Lacs

tamil nadu

Posted:3 weeks ago| Platform: Indeed logo

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Skills Required

portfolio reporting strategies compliance analyze risk arbitration tracking drive training leadership

Work Mode

On-site

Job Type

Full Time

Job Description

Job Title: State Head – Collections (Micro LAP Portfolio and Unsecured Portfolio)
Location: Tamil Nadu, Vizag
Reporting To: National Collections Head / Zonal Collections Head
Key Responsibilities
Develop and execute state-level collection strategies tailored to Micro LAP products.
Monitor portfolio health across branches and ensure reduction in delinquency rates.
Align state targets with national recovery goals and compliance standards.
Portfolio Management
Oversee collections for the entire Micro LAP portfolio within the state.
Ensure timely follow-up on overdue accounts and minimize NPAs.
Analyze repayment trends and implement corrective action plans.
Team Leadership
Lead and mentor area collection managers and field recovery teams.
Set KPIs and conduct regular performance reviews.
Ensure adherence to ethical recovery practices and regulatory norms.
Proven ability to manage large teams across geographies
Stakeholder Coordination
Collaborate with Sales,credit, risk, legal, and operations teams to streamline recovery efforts.
Liaise with local law enforcement and legal counsel for escalated cases.
Familiarity with SARFAESI, arbitration, Sec-138,156(3)Etc.
Represent the organization in arbitration or legal proceedings when required.
Process & Compliance
Ensure compliance with RBI guidelines and internal SOPs for collections.
Implement tech-enabled tracking systems for real-time recovery updates.
Drive training programs on recovery protocols and customer handling.
Qualifications & Experience
Education: Graduate/Postgraduate
Experience: 10 years in collections, with at least 5 years in a leadership role managing Micro LAP or
similar secured and Unsecured portfolios

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