Area Collection Manager

Role Overview

This position is responsible for managing the assigned geography’s delinquent portfolio, with a focus on NPA accounts and cases from 0 to write-off. The role covers both secured and unsecured recovery work and requires coordination across internal teams and external agencies to drive resolutions.

Key Responsibilities

• Own the collections portfolio for the assigned region, including NPA and 0 to write-off accounts.
• Personally follow up on delinquent cases in coordination with the collection manager and agency teams to ensure timely closure.
• Handle recovery for current bounce cases as well as Bucket 1 (0-30 DPD), Bucket 4 (90-120 DPD), Bucket 5 (121-150 DPD), and Bucket 6 (151-180 DPD) accounts.
• Prioritize recovery of overdue payments and related charges.
• Identify and onboard collection agencies, repossession agencies, and valuation agencies as needed.
• Recruit advocates whenever the recovery process requires legal support.
• Apply working knowledge of collection and legal processes for both secured and unsecured businesses.
• Use recovery and collection tools with proper legal understanding and process compliance.
• Maintain accurate MIS and account-management records.
• Be willing to work from agency locations and operate without a fixed office presence.
• Communicate effectively in both written and spoken formats.
• Interact with senior leadership when required.
• Understand statements of account, repayment schedules, and foreclosure details for loan accounts.
• Lead with discipline, teamwork, professionalism, and adherence to reporting lines, policies, and collection processes.

Experience Required

The role calls for 8-18 years of experience in the banking or finance sector, specifically in collections management for NPA and 0 to write-off portfolios.

Industry Knowledge

Hands-on exposure to financial products such as business loans, unsecured loans, personal loans, and credit cards is important for this role.

Documentation Skills

Strong drafting ability is needed to prepare letters, reports, and related communication clearly and professionally.

Additional Information

This role requires strong leadership, a structured approach to recovery operations, and the ability to follow established collection policies and procedures closely.