own collection performance for the assigned geography and bucket(s); understand local portfolio characteristics, monitor portfolio movement, and execute collection strategies to drive resolution and recovery outcomes.
lead, coach, and develop a team of 2-5 direct reports; set clear expectations, review productivity and performance, and drive the team towards collection targets.
manage 3-6 collection agencies across the assigned geography; ensure adequate capacity, drive productivity and resolution outcomes, and maintain adherence to quality and compliance standards.
own resolution and recovery targets for the assigned portfolio; analyse MIS and key collection metrics, identify performance gaps, and implement corrective actions to improve outcomes.
ensure adherence to RBI guidelines, company policies, and the code of conduct for collections; proactively identify and address compliance or process gaps.
work closely with operations, risk, legal, analytics, and agency management teams to resolve dependencies, improve collection outcomes, and ensure effective execution of collection strategies.

strong understanding of the relevant region/state profile of customers across local districts, including good and challenging pin codes from a risk perspective.
knowledge of local agencies and demonstrated ability to drive and manage collection agencies.
proficient in the local language.
knowledge of the code of conduct for collections and ability to explain its importance.
strong understanding of the collections business.
familiar with key collections metrics such as resolution rates, flow rates, bounce rates, ROR for recoveries, and NC/skip ratio, with an understanding of how these metrics impact collection outcomes.

area collections manager

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