Collection Manager-SME

Key Responsibilities :

• Portfolio Management :
• Monitor and manage the working capital loan portfolio, ensuring timely collection of EMIs, interest, and principal.
• Maintain DPD (Days Past Due) levels as per target and minimize NPA occurrences.
• Recovery Operations :
• Coordinate with internal teams and third-party agencies for recovery efforts.
• Conduct regular follow-ups with delinquent customers through calls, visits, and legal means (if necessary).
• Recommend legal or recovery actions for chronic defaulters in consultation with legal and credit teams.
• Team Management :
• Manage and guide field collection executives or agencies for effective recovery.
• Train and monitor the performance of outsourced collection partners.
• MIS & Reporting :
• Prepare daily, weekly, and monthly collection reports.
• Analyze collection trends and identify potential problem accounts.
• Share actionable insights with senior management.
• Customer Interaction & Relationship :
• Engage with customers to understand payment difficulties and offer suitable repayment solutions or restructuring.
• Maintain a professional and customer-centric approach to recovery.
• Compliance & Audit :
• Ensure adherence to regulatory and internal compliance norms in collection practices.
• Support audit and compliance teams with required data and responses.

Skills Required

EMIS