Responsibilities and Duties

1. Team Management: Lead, mentor, and supervise a team of collection officers within the designated area,
   providing guidance, coaching, and support to achieve collection targets and KPIs.
2. Collection Strategy: Develop and implement collection strategies and initiatives to optimize recovery rates,
   reduce delinquencies, and minimize credit losses, leveraging data analytics and industry best practices.
3. Portfolio Analysis: Monitor portfolio performance, analyze delinquency trends, and identify areas for
   improvement, developing proactive strategies to address potential defaults and mitigate credit risks.
4. Customer Engagement: Establish and maintain effective communication channels with delinquent
   customers, negotiating payment arrangements, and resolving payment disputes to facilitate debt recovery.
5. Compliance Oversight: Ensure compliance with regulatory requirements, company policies, and industry best
   practices in collection activities, adhering to fair debt collection practices and maintaining confidentiality of
   customer information.
6. Performance Monitoring: Monitor collection performance metrics, track KPIs, and prepare reports for senior
   management, providing insights and recommendations for process improvement and risk mitigation.
7. Training and Development: Conduct training sessions for collection staff to enhance their skills and
   knowledge in negotiation techniques, conflict resolution, and regulatory compliance, fostering professional
   development and growth within the team.
8. Vendor Management: Manage relationships with external collection agencies, law firms, and repossession
   agents, negotiating service agreements, monitoring performance, and ensuring adherence to service level
   agreements (SLAs).
9. Technology Integration: Collaborate with IT and software development teams to enhance collection systems
   and tools, implementing automation and digital solutions to improve efficiency and effectiveness.
10. Stakeholder Collaboration: Collaborate with cross-functional teams, including credit, underwriting, legal, and
    operations departments, to coordinate efforts in managing delinquencies, resolving disputes, and
    implementing collection strategies.

Qualification

• Bachelor’s degree in business administration, finance, or related field; MBA or equivalent qualification
  preferred.
• 8+ years of experience in collection management, preferably in the two-wheeler financing segment of the
  NBFC industry.
• Strong leadership and people management skills, with the ability to motivate and inspire teams to achieve
  collection targets and deliver exceptional results.
• Analytical mindset with proficiency in data analysis tools and techniques, and the ability to derive actionable
  insights from collection data.
• Excellent communication and negotiation skills, with the ability to build rapport with customers and
  negotiate payment arrangements.
• Results-oriented mindset with a focus on achieving collection targets, reducing delinquencies, and
  maximizing recovery rates.
• Proficiency in MS Office Suite and familiarity with collection management software and systems.