ACM-Collections Retail Front End Hyd

Job Description

Position: Area Collection Manager Retail Collections
Location: Hyderabad
Reporting To: Zonal / Regional Collection Head

Role Overview

The Area Collection Manager is responsible for managing frontend retail collections across the assigned geography. The role involves leading a team of Collection Managers and external collection agencies ensuring timely recoveries compliance with regulatory norms and high-quality customer engagement while maintaining portfolio health.

Key Responsibilities

• Manage and oversee front-end retail collections (Buckets 090 / Early to Mid DPD as applicable) across the assigned area
• Lead mentor and monitor a team of Collection Managers field officers and channel partners
• Manage and control collection agencies including onboarding performance review allocation and incentive management
• Achieve monthly collection efficiency resolution and roll-back targets
• Track delinquency levels bucket movement and aging trends; initiate corrective action plans
• Ensure compliance with RBI guidelines company policies and ethical collection practices
• Conduct regular field visits and joint calls to support teams and agencies
• Review daily MIS dashboards and performance reports; share insights and action plans
• Handle escalations customer complaints and sensitive recovery cases professionally
• Coordinate with Sales Credit and Operations teams to improve portfolio quality and prevent future delinquencies
• Drive training and capability building for internal teams and agency staff
• Ensure accurate documentation and system updates for all collection activities

Key Skills & Competencies

• Strong understanding of retail loan products (Personal Loans LAP Home Loans Auto Loans etc.)
• Hands-on experience in front-end collections operations
• Team leadership and agency management skills
• Ability to work with data MIS and performance metrics
• Strong negotiation customer handling and conflict resolution skills
• Sound knowledge of legal and regulatory frameworks related to collections
• High integrity with a customer-centric yet firm approach

Experience & Qualification

• 815 years of experience in retail collections within Banking / NBFCs
• Minimum 35 years in a people and agency management role
• Graduate / MBA preferred
• Prior experience handling Hyderabad / Telangana market is an added advantage

Required Experience:

Manager