01Overview
Job DescriptionPosition: Area Collection Manager Retail Collections
Location: Hyderabad
Reporting To: Zonal / Regional Collection Head
Role OverviewThe 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.
Key ResponsibilitiesManage and oversee front-end retail collections (Buckets 090 / Early to Mid DPD, as applicable) across the assigned areaLead, mentor, and monitor a team of Collection Managers, field officers, and channel partnersManage and control collection agencies, including onboarding, performance review, allocation, and incentive managementAchieve monthly collection efficiency, resolution, and roll-back targetsTrack delinquency levels, bucket movement, and aging trends; initiate corrective action plansEnsure compliance with RBI guidelines, company policies, and ethical collection practicesConduct regular field visits and joint calls to support teams and agenciesReview daily MIS, dashboards, and performance reports; share insights and action plansHandle escalations, customer complaints, and sensitive recovery cases professionallyCoordinate with Sales, Credit, and Operations teams to improve portfolio quality and prevent future delinquenciesDrive training and capability building for internal teams and agency staffEnsure accurate documentation and system updates for all collection activitiesKey Skills & CompetenciesStrong understanding of retail loan products (Personal Loans, LAP, Home Loans, Auto Loans, etc.)Hands-on experience in front-end collections operationsTeam leadership and agency management skillsAbility to work with data, MIS, and performance metricsStrong negotiation, customer handling, and conflict resolution skillsSound knowledge of legal and regulatory frameworks related to collectionsHigh integrity with a customer-centric yet firm approachExperience & Qualification815 years of experience in retail collections within Banking / NBFCsMinimum 35 years in a people and agency management roleGraduate / MBA preferredPrior experience handling Hyderabad / Telangana market is an added advantage .
