Zonal Collection Manager - South ( SME )

Position :

Location :

Key Purpose of the Job :

The Zonal Collections Manager will be responsible for leading and managing collections operations for SME products within the assigned zone. This role requires driving collection efficiency, minimizing delinquencies, ensuring compliance with regulatory frameworks, and providing strategic direction to regional/area/branch collection managers.

Education Qualification / Skill sets required :

• Graduate/Postgraduate in Finance, Business Administration, or related field.
• Minimum 15 years experience in Collection of SME / LAP is Must.
• Should have in depth knowledge of SME / LAP market and norms
• Proven expertise in strategizing, executing, and scaling large-scale collections operations.
• Strong leadership, analytical, and stakeholder management abilities.
• In-depth knowledge of RBI guidelines, NBFC/BFSI collection practices, and handling of legal escalations.

Key Responsibilities :

1. Strategic & Operational Management

• Develop and implement zonal collection strategies aligned with organizational objectives.
• Monitor portfolio performance, track KPIs, and analyze recovery trends to enhance efficiency.
• Ensure the timely recovery of overdue accounts in SME portfolios.
• Oversee end-to-end MIS reporting, including daily, weekly, and monthly collection dashboards.
• Collaborate with Credit, Legal, and Sales teams to strengthen recovery mechanisms and minimize risk exposure.

2. Team Leadership & Development

• Supervise, mentor, and guide Branch/Area/Regional Collection Managers.
• Conduct regular team capability-building initiatives, including training, coaching, and performance reviews.
• Drive a high-performance culture with clear accountability and result-driven focus.

3. Compliance & Risk Management

• Ensure strict adherence to regulatory guidelines, internal audit requirements, and company policies.
• Address escalated delinquency cases, legal matters, or customer disputes in line with compliance standards.
• Promote ethical, customer-centric, and non-coercive recovery practices across all channels.

4. Customer Handling

• Engage directly with high-risk and critical delinquency accounts to facilitate settlements.
• Align customer recovery efforts with fair treatment principles, ensuring solution-oriented resolutions.
• Build long-term trust while safeguarding organizational financial interests.

If your profile aligns with the requirement above, please send your resume to muthukumarv@chola.murugappa.com.