Position: Area Collection Manager – Retail Collections
Location: Hyderabad
Reporting To: Zonal / Regional Collection Head
The Area Collection Manager is responsible for managing front?end retail collections across the assigned geography. The role involves leading a team of Collection Managers and external collection agencies, ensuring timely recoveries, compliance with regulatory norms, and high-quality customer engagement while maintaining portfolio health.
-
Manage and oversee front-end retail collections (Buckets 0–90 / Early to Mid DPD, as applicable) across the assigned area
-
Lead, mentor, and monitor a team of Collection Managers, field officers, and channel partners
-
Manage and control collection agencies, including onboarding, performance review, allocation, and incentive management
-
Achieve monthly collection efficiency, resolution, and roll-back targets
-
Track delinquency levels, bucket movement, and aging trends; initiate corrective action plans
-
Ensure compliance with RBI guidelines, company policies, and ethical collection practices
-
Conduct regular field visits and joint calls to support teams and agencies
-
Review daily MIS, dashboards, and performance reports; share insights and action plans
-
Handle escalations, customer complaints, and sensitive recovery cases professionally
-
Coordinate with Sales, Credit, and Operations teams to improve portfolio quality and prevent future delinquencies
-
Drive training and capability building for internal teams and agency staff
-
Ensure accurate documentation and system updates for all collection activities
-
Strong understanding of retail loan products (Personal Loans, LAP, Home Loans, Auto Loans, etc.)
-
Hands-on experience in front-end collections operations
-
Team leadership and agency management skills
-
Ability to work with data, MIS, and performance metrics
-
Strong negotiation, customer handling, and conflict resolution skills
-
Sound knowledge of legal and regulatory frameworks related to collections
-
High integrity with a customer-centric yet firm approach
-
8–15 years of experience in retail collections within Banking / NBFCs
-
Minimum 3–5 years in a people and agency management role
-
Graduate / MBA preferred
-
Prior experience handling Hyderabad / Telangana market is an added advantage
