Designation - Zonal Manager - Debt Collection
Exp - 3 To 5 Years
Location - Kolkata, Delhi, Hyderabad, Mumbai, Lucknow
Job Summary;
The Zonal Manager oversees on-ground debt collection operations across the assigned zone, handling buckets from 1 DPD to 180+ DPD. This role excludes call centre and digital collections which are centralized at the Head Office. The Zonal Manager leads field staff, state team leaders, and recovery agencies to drive efficient, ethical, and compliant recovery performance.
Scope of ownership :
- 1–30 DPD (Old DPD customers)
- 31–60 DPD (High-risk overdue)
- 61–180 DPD (NPA & Recovery)
- 180+ Write-off recovery
- Field operations (FOS)
- State team leaders
- Recovery agencies
- Legal coordination & notice servicing
Excluded from scope :
0 Bucket (Centralized)Call Center (Centralized)Digital Collections (Centralized)SMS / WhatsApp / IVR / Bot campaignsPre-due activitiesKey Responsibilities :
A. Field Operations Leadership
Lead FOS teams across assigned states.Ensure 18–20 effective visits per FOS per day.Track visit compliance, geo-tagging, address verification, and follow-up.B. 1–60 DPD Field Reinforcement
Handle high-risk cases not resolved by central calling.Drive physical follow-up and PTP-to-payment conversion.C. 61–180+ Recovery
Manage agencies for NPA and write-off portfolios.Ensure tough case closures, settlements, and skip tracing.D. Agency Management
Monitor agency performance and rural / semi-urban coverage.Ensure compliance and ethical collection practices.E. Legal Coordination
Coordinate Demand Letters, Arbitration Notices, and Sec 138.Ensure proper service of notices.F. MIS & Reporting
Daily reporting of recovery %, field productivity, settlements, and DPD flow.Ensure accurate data from TLs and FOS.KPI & KRA
Performance KPIs :
Recovery % for 1–60 DPDNPA recovery performanceWrite-off recovery outputField productivity (18–20 visits / day)Address verification accuracy (>90%)
Settlement realization ratePeople & Compliance KRAs :
Maintain manpower and reduce attritionEnsure DRA complianceZero harassment or behavioural complaintsEnforce 100% field app complianceDocumentation accuracyPlease apply now at [HIDDEN TEXT]
Skills Required
skip tracing, Mis Reporting, Agency Management