Area Collection Manager

Role & responsibilities

• Manage collections and recovery operations across the assigned area for Home Loan & LAP portfolios.
• Drive collection efficiency across all delinquency buckets, with focus on overdue, NPA and high-risk accounts.
• Achieve monthly collection, recovery and resolution targets while controlling roll-forward and credit losses.
• Lead and manage in-house collection teams and external agencies/vendors.
• Monitor bucket-wise performance, ageing, flow rates and portfolio health; implement corrective action plans.
• Conduct regular field visits and team reviews to improve productivity and recovery performance.
• Handle delinquent customers through effective negotiation, persuasion and resolution strategies.
• Coordinate with Legal, Credit, Risk and Business teams for difficult and high-value cases.
• Manage legal recovery processes including SARFAESI, possession, settlement and repossession, wherever applicable.
• Ensure adherence to RBI/NHB guidelines, company policies and fair collection practices.
• Prepare and review MIS, collection reports, agency performance and recovery dashboards.