State Head - Collections

Job Title: State Head Collections (Micro LAP Portfolio and Unsecured Portfolio) Location: Tamil Nadu, Vizag Reporting To: National Collections Head / Zonal Collections Head Key Responsibilities Develop and execute state-level collection strategies tailored to Micro LAP products. Monitor portfolio health across branches and ensure reduction in delinquency rates. Align state targets with national recovery goals and compliance standards. Portfolio Management Oversee collections for the entire Micro LAP portfolio within the state. Ensure timely follow-up on overdue accounts and minimize NPAs. Analyze repayment trends and implement corrective action plans. Team Leadership Lead and mentor area collection managers and field recovery teams. Set KPIs and conduct regular performance reviews. Ensure adherence to ethical recovery practices and regulatory norms. Proven ability to manage large teams across geographies Stakeholder Coordination Collaborate with Sales,credit, risk, legal, and operations teams to streamline recovery efforts. Liaise with local law enforcement and legal counsel for escalated cases. Familiarity with SARFAESI, arbitration, Sec-138,156(3)Etc. Represent the organization in arbitration or legal proceedings when required. Process & Compliance Ensure compliance with RBI guidelines and internal SOPs for collections. Implement tech-enabled tracking systems for real-time recovery updates. Drive training programs on recovery protocols and customer handling. Qualifications & Experience Education: Graduate/Postgraduate Experience: 10 years in collections, with at least 5 years in a leadership role managing Micro LAP or similar secured and Unsecured portfolios .