Zonal Head Collection

Role & responsibilities

Job Title : Zonal Collections Head

Department: Collections

Reports To: National Head Collections / Business Head

Location: Ahmedabad

Band: Senior Management

Key Responsibilities:

Drive and manage end-to-end collections operations across multiple states to achieve recovery targets, ensure compliance, and maintain portfolio health.

• Develop and implement strategic collection plans to achieve zonal recovery and delinquency targets.
• Lead, guide, and motivate State/Regional Collections Heads to deliver strong portfolio performance.
• Monitor key metrics including DPD, roll rates, recovery ratios, and cost of collections to ensure sustained improvement.
• Ensure adherence to all company policies, regulatory guidelines, and legal requirements in collection operations.
• Drive process standardization, automation, and digital collection initiatives to enhance efficiency.
• Collaborate with cross-functional teams including Credit, Risk, and Legal to drive end-to-end resolution strategies.
• Build and maintain professional relationships with customers, agencies, and external partners to support ethical recoveries.
• Review and present performance insights to senior leadership, implementing corrective actions where needed.

Key Performance Indicators:

• Portfolio Delinquency and NPA Reduction
• Recovery Efficiency and Cost Optimization
• Process Compliance and Audit Scores
• Team Productivity and Retention
• Customer Experience Metrics

Preferred candidate profile

Education: Graduate / Postgraduate

Experience: 10 - 15 years in collections with at least 3 - 5 years in a zonal or regional leadership role.

Skills & Attributes:

• Strategic thinker with strong execution capability
• Unsecured loan collection of X - Infinity
• Candidate must have in-house collection team handling experience
• Proven leadership and people management skills
• Excellent analytical, communication, and negotiation abilities
• Deep understanding of legal and regulatory frameworks in collections
• Tech-savvy, with exposure to digital collection tools and analytics