Regional Collections Manager Area Collection Manager & Field Executive All Bihar

Company Description Cholamandalam Investment and Finance Company Limited (Chola), part of the Murugappa Group and founded in 1978, has grown from an equipment financing company into a leading diversified financial services provider. It offers a wide range of products including vehicle finance, home loans, SME loans, loans against property, and consumer durable loans, serving a broad customer base across India. With over 1,500 branches and Assets Under Management exceeding Rs. 1.77 lakh crore, Chola supports more than 42.9 lakh customers. The company operates through key subsidiaries such as Cholamandalam Securities Limited, Cholamandalam Home Finance Limited, and Payswiff Technologies Private Limited, strengthening its presence across retail and corporate segments. Guided by strong values of integrity and responsibility, Chola focuses on sustainable growth, empowerment, and long-term value for customers, employees, shareholders, and communities.
Role Description The Regional Collections Manager / Area Collection Manager & Field Executive role is a full-time, on-site position based in Bihar. The role involves overseeing collections operations across the region, including planning and executing collection strategies, monitoring portfolio performance, and ensuring timely recovery of dues while maintaining regulatory and company policy compliance. Responsibilities include leading and supporting field collection teams, tracking daily collection activities, conducting field visits when required, and resolving customer issues in a professional and ethical manner. The role also requires regular reporting on collection metrics, identifying risk trends, coordinating with branch and credit teams, and implementing process improvements to enhance efficiency and reduce delinquency. The individual is expected to uphold Chola's values, promote customer-centric practices, and contribute to stable portfolio growth in the assigned geography.
Qualifications

• Proven experience in collections, recovery, or credit control within financial services, preferably in vehicle finance, consumer lending, or retail banking.
• Strong skills in portfolio monitoring, delinquency management, and basic financial analysis relevant to collections operations.
• Experience in leading field teams, managing on-ground operations, and coordinating with multiple branches or locations.
• Effective communication, negotiation, and conflict-resolution skills for engaging with customers and internal stakeholders.
• Ability to work on-site across Bihar, conduct field visits, and adapt to diverse customer and market conditions.
• Familiarity with relevant regulatory guidelines, company compliance standards, and ethical collection practices.
• Good proficiency in MS Office or similar tools for reporting, data tracking, and documentation.
• Bachelor's degree in business, finance, commerce, or a related field; an MBA or equivalent qualification is an advantage.
• Previous experience in regional or area-level responsibility, with a track record of meeting collection targets and