Portfolio Recovery Manager

8 hours ago


Vadodara, Gujarat, India beBeeCollections Full time ₹ 15,00,000 - ₹ 28,00,000
Job Title

We are seeking a seasoned Portfolio Manager to oversee the entire collections process for Personal and Business Loans. The ideal candidate will be responsible for managing portfolio delinquency, designing effective recovery strategies, and leading a team to ensure all practices are both ethical and compliant with regulatory guidelines.

Responsibilities:
  • Monitor and manage delinquency in 0–30, 31–60, and 61–90 DPD (Days Past Due) and NPA (Non-Performing Asset) buckets.
  • Analyze and interpret MIS (Management Information System) reports to identify risk trends and develop action plans.
  • Ensure timely follow-up on overdue accounts to reduce roll-forwards.
Key Responsibilities:
  • Design and implement effective collection strategies for Personal and Business Loans.
  • Segment portfolios by risk and prioritize accounts for recovery.
  • Drive settlements, restructuring, and legal action when necessary.
Leadership & Management:
  • Supervise and train in-house collection teams and external agencies.
  • Monitor productivity and provide performance feedback.
  • Ensure all recovery practices are ethical and legally compliant.
Reporting & Compliance:
  • Ensure adherence to RBI (Reserve Bank of India) guidelines.
  • Maintain accurate documentation of all collection efforts.
  • Prepare periodic reports on performance, risk flags, and recovery ratios for management.
Candidate Requirements:
  • Proven experience in a collections management role, with a focus on Personal and Business Loans.
  • The ability to analyze and interpret MIS reports and other data to drive strategic decisions.
  • Strong leadership skills to supervise and train both internal and external teams.
  • A deep understanding of ethical and legal compliance, especially with RBI guidelines.
  • Excellent negotiation and problem-solving skills to handle escalated accounts and customer interactions.
  • Proficiency in preparing detailed reports for management review.


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