Regional Collections Manager

Role Overview

This position is responsible for overseeing regional collections activities with a focus on recovering overdue amounts from delinquent and non-performing borrowers. The role requires close coordination with internal teams and external recovery partners to design practical recovery plans, improve collection efficiency, and keep all actions aligned with company policies and applicable regulations.

Business Context

The risk and compliance team monitors customer-level and portfolio-level exposure to spot early signs of stress and reduce non-performing assets. Since branch-level presence is limited, monitoring is carried out jointly with business teams. The function also supports recovery of overdue loans from defaulting customers in coordination with business stakeholders. A key objective is to improve business profitability by managing the delinquent housing finance portfolio effectively.

Core Responsibilities

The role includes leading on-ground teams and agencies to ensure collections are completed on time across all buckets. It also involves building a motivated collections team, hiring and developing team members, setting goals, reviewing progress, and maintaining high engagement and performance.

The incumbent must ensure adherence to compliance, regulatory, and customer-experience standards throughout the collections process. The role also calls for using alternate resolution approaches, including legal remedies where required, to improve recoveries. Regular team reviews, coaching, and performance discussions are expected.

Strong personal negotiation ability is important, as the role requires directly persuading overdue customers to make payments on pending accounts.

Key Challenges

The position requires a strong understanding of home loan and loan against property collections dynamics. It also involves managing movement across delinquency buckets and driving month-on-month reduction in credit losses for the assigned region.

Because secured lending includes significant legal and documentation requirements, the role demands careful handling of process and compliance. The incumbent must also gather customer information that can be shared with the risk team for future decision-making. Keeping the team motivated and maintaining morale consistently are important parts of the job.

Required Experience and Skills

The ideal candidate should have 7 to 8 years of relevant experience in a regional in-charge or location head role. Exposure to credit or other line functions is preferred. Experience in managing outsourced agencies or vendors is necessary.

The role requires the ability to use legal tools effectively to improve collections outcomes, along with a high-energy, proactive approach. The candidate should be able to design and execute collections strategies, work well with others, and demonstrate strong leadership, analytical thinking, negotiation, influencing, and communication skills. A solid understanding of the market and collections or fraud-related techniques is also important.

Key Result Areas

Manage regional collections operations: Streamline the collections process, reduce the cost of default and bad debt, monitor customer accounts across the region, identify likely default or delay cases early, work with borrowers to find suitable recovery solutions, maintain proper documentation, handle complaints to achieve satisfactory outcomes for both the company and customers, conduct periodic audits of collections teams, and coordinate with legal and senior management in escalated matters to remain compliant.

Coordinate internal and external recovery efforts: Review outstanding collections regularly with internal teams, implement corrective actions to support timely recovery, oversee the selection and training of external agencies, work closely with external collections partners for overdue debt recovery, and coordinate with legal or law enforcement authorities on escalated cases to speed up recovery.

Additional Information

This role is based in Maharashtra, India and is a full-time, onsite position. No salary, stipend, duration, start date, or application deadline has been specified. The number of openings has not been stated.

The role is focused on collections management for housing finance, including delinquency management, recovery planning, compliance oversight, legal coordination, agency management, team leadership, and stakeholder communication.