Regional Collection Manager

Role & responsibilities

Regional Collection Manager

Key Responsibilities:

• Regional Strategy & Planning:

  
  
• Design and implement region-specific collection strategies to meet recovery targets and reduce NPAs.
  
• Monitor regional portfolio health and proactively identify risk zones.
  

• Team Leadership & Management:

  
  
• Manage, train, and motivate a team of Area Collection Managers, Collection Officers, and Field Executives across both states.
  
• Allocate targets and monitor performance metrics at the area and branch levels.
  

• Operations & Execution:

  
  
• Ensure timely and effective follow-up on overdue accounts through field visits, tele-calling, and legal actions.
  
• Handle both early bucket and hard bucket collections (30+, 60+, 90+, write-offs).
  
• Ensure strict adherence to collection policies, RBI norms, and customer service standards.
  

• Vendor and Agency Management:

  
  
• Empanel, train, and supervise third-party collection agencies.
  
• Track agency performance, ensure ethical practices, and manage agency payouts.
  

• Analytics & Reporting:

  
  
• Analyze collection trends, prepare MIS reports, and share actionable insights with the leadership team.
  
• Provide feedback to credit and risk teams on collection-related trends and fraud patterns.
  

• Customer Handling:

  
  
• Address customer disputes and escalations to resolve issues amicably while ensuring recovery.
  
• Ensure dignity and sensitivity while dealing with customers in line with regulatory guidelines.
  

Key Skills and Competencies:

• Strong understanding of unsecured loan products and collection cycles.
  
• In-depth knowledge of regional geographies, customer behavior, and local collection practices.
  
• Excellent team management, communication, and negotiation skills.
  
• Sound analytical, decision-making, and conflict-resolution abilities.
  
• Familiarity with regulatory compliance and RBI guidelines related to collections.
  

Qualifications & Experience:

• Graduate/Postgraduate in any discipline (MBA preferred).
  

• 12+ years

  of relevant experience in collections, preferably in

  Unsecured Personal/Business Loans

  .
  
• Prior regional-level exposure in

  Telangana and Andhra Pradesh

  is

  mandatory

  .
  
• Fluency in

  Telugu

  ,

  English

  , and

  Hindi

  is highly desirable.

Preferred candidate profile