Loan Recovery Professional

6 days ago

Vadodara, Gujarat, India beBeeCollection Full time ₹ 1,04,000 - ₹ 1,30,878

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

Key Responsibilities
  • Portfolio Management:
  • 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.
  • Strategy & Execution:
  • 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.
  • Team & Vendor 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.
  • Compliance & Reporting:
  • Ensure adherence to RBI (Reserve Bank of India) and internal compliance guidelines.
  • Maintain accurate documentation of all collection efforts.
  • Prepare periodic reports on performance, risk flags, and recovery ratios for management.
  • Customer Interaction:
  • Handle escalated or high-ticket delinquent accounts personally.
  • Engage constructively with customers to negotiate payment arrangements or settlements.
  • Maintain professionalism and empathy in all customer interactions.
Required Skills
  • 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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