State Head Collections (Micro LAP Portfolio and Unsecured Portfolio)

The position you are applying for involves developing and implementing state-level collection strategies specifically for Micro LAP products. You will be responsible for monitoring the health of the portfolio across branches to reduce delinquency rates and align state targets with national recovery goals and compliance standards. Your role will also include overseeing collections for the entire Micro LAP portfolio within the state, ensuring timely follow-up on overdue accounts, and minimizing NPAs. As a leader, you will mentor area collection managers and field recovery teams, establish KPIs, and conduct performance reviews while ensuring adherence to ethical recovery practices and regulatory norms. Your ability to manage large teams across different locations will be crucial in this position. Collaboration with various departments such as Sales, credit, risk, legal, and operations teams is essential to streamline recovery efforts. You will also be required to coordinate with local law enforcement and legal counsel for escalated cases, with a good understanding of SARFAESI, arbitration, Sec-138, 156(3) etc. representing the organization in arbitration or legal proceedings when necessary. Maintaining compliance with RBI guidelines and internal SOPs for collections, implementing tech-enabled tracking systems for real-time recovery updates, and conducting training programs on recovery protocols and customer handling will be part of your responsibilities. To qualify for this role, you should have a Graduate/Postgraduate degree and a minimum of 10 years of experience in collections, with at least 5 years in a leadership position managing Micro LAP or similar secured and unsecured portfolios.,