Area Collection Manager

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Collection Performance Management

• Achieve monthly, quarterly, and annual collection targets for the assigned area.
• Monitor bucket-wise collections (0+, 30+, 60+, 90+, NPA, written-off accounts).
• Drive resolution of delinquent and chronic overdue accounts through systematic recovery efforts.
• Ensure reduction in roll rates and improvement in portfolio quality.

Team Management

• Lead, guide, and monitor Area Collection Executives and agency partners.
• Conduct regular performance reviews and productivity tracking.
• Coach and develop team members on collection strategies and recovery techniques.
• Ensure manpower availability and succession planning within the area.

Agency & Vendor Management

• Appoint, monitor, and evaluate collection agencies as per company guidelines.
• Ensure agency compliance with regulatory and organizational standards.
• Review agency performance and optimize allocation for maximum recovery.

Portfolio Monitoring

• Analyze portfolio trends and identify high-risk segments.
• Prepare action plans for NPA reduction and overdue recovery.
• Conduct field reviews and collection audits to improve effectiveness.

Customer Engagement & Resolution

• Handle escalated customer cases and settlement proposals within delegated authority.
• Ensure effective resolution of disputes impacting collections.
• Maintain customer experience standards while achieving recovery objectives.

Compliance & Governance

• Ensure adherence to RBI guidelines, company policies, and fair collection practices.
• Monitor collection activities to avoid reputational and regulatory risks.
• Conduct periodic audits and control checks.

Reporting & MIS

• Review daily, weekly, and monthly collection MIS.
• Present collection performance, risk indicators, and action pl