Zonal Head of Collections

4 days ago

Bengaluru, Karnataka, India Optimo Capital Full time ₹ 20,00,000 - ₹ 25,00,000 per year

Optimo Capital
is one of India's fast-growing
Non-Banking Financial Companies (NBFCs)
, committed to empowering individuals and businesses through innovative financial solutions. With a strong focus on customer-centricity, transparency, and digital enablement, we aim to make credit more accessible, affordable, and seamless for every borrower.

Job Title: Zonal (South) Head – Collections

Department: Collections

Location: Bangalore

Role Objective:

To lead, strategize, and manage the collections function for the assigned zone, ensuring portfolio health, minimizing delinquencies, and optimizing recovery performance across secured and unsecured loan products.

Key Responsibilities:

1. Strategic & Operational Leadership

  • Develop and implement zonal collection strategies aligned with organizational goals and regulatory requirements.
  • Drive achievement of collection targets across all buckets (current, soft, hard, and write-off).
  • Monitor and manage regional collection teams to ensure effective performance and productivity.

2. Portfolio Management

  • Analyze delinquency trends and identify root causes to recommend preventive measures.
  • Ensure early identification and resolution of high-risk accounts.
  • Drive reduction in NPAs, PAR (Portfolio at Risk), and write-offs.

3. Team Management & Development

  • Lead and mentor Regional and Area Collection Managers within the zone.
  • Build high-performing teams with strong process discipline and customer-centric collection practices.
  • Conduct regular reviews, trainings, and capability-building sessions for field and tele-collection staff.

4. Vendor & Agency Management

  • Empanel and manage external collection agencies, repossession vendors, and legal partners.
  • Monitor agency performance through scorecards and compliance audits.
  • Ensure adherence to company policies, RBI/industry regulations, and ethical collection standards.

5. Process & Compliance

  • Implement standard operating procedures (SOPs) and ensure process adherence across channels.
  • Drive automation and digital initiatives in collections to improve efficiency and traceability.
  • Ensure strict compliance with fair-practice codes and data privacy norms.

6. Cross-Functional Coordination

  • Collaborate with Risk, Credit, Operations, Legal, and Business teams for end-to-end resolution of delinquent accounts.
  • Provide MIS reports, dashboards, and insights to senior management for decision-making.

Key Performance Indicators (KPIs):

  • DPD (Days Past Due) reduction and PAR performance.
  • Collection efficiency ratio and recovery rate.
  • Reduction in NPAs and write-offs.
  • Cost of collections vs. budget.

Qualifications & Experience:

  • Graduate / Postgraduate (MBA preferred) in Finance, Business Administration, or related fields.
  • 10–15 years of experience in retail or SME collections in NBFCs/Banks, with at least 3–5 years in a leadership role.
  • Proven expertise in managing large, geographically diverse teams and multi-product portfolios.
  • Strong understanding of regulatory norms, recovery processes, and legal frameworks (SARFAESI, arbitration, etc.).

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