Incred - Collections Manager

13 hours ago


Bengaluru, Karnataka, India Nexthire Full time ₹ 12,00,000 - ₹ 36,00,000 per year

Company - Incred Financial Services

Position - Area Collections Manager

Location - Bangalore

Experience - 3+ years

About Incred :InCred Financial Services (part of the broader InCred Group) is a Mumbai‑based, RBI‑registered NBFC founded in 2016 that uses technology and data science to simplify lending. They offer a range of financial products—including unsecured personal loans, education loans, MSME/merchant finance, and supply-chain financing—via a fully digital process and app, with quick approvals and competitive interest rates.About the Role :

We are looking for a result-driven Area Collections Manager to lead and manage collections & recovery for unsecured loan portfolios. You will be responsible for overseeing a team of collection officers and agency partners, ensuring high recovery rates, minimizing delinquencies, and maintaining regulatory compliance.

Key Responsibilities :
  • Manage and drive recovery operations for unsecured personal loans across assigned territory.

  • Monitor and control portfolio delinquency, especially early and late-stage buckets.

  • Recruit, train, and manage field collection teams and recovery agencies.

  • Develop and implement collection strategies to improve recovery efficiency and cost-effectiveness.

  • Ensure adherence to compliance guidelines and maintain ethical recovery practices.

  • Liaise with legal teams for escalated recoveries including settlements, arbitration, and legal actions.

  • Use data insights and MIS reports to track performance and highlight portfolio risks.

  • Conduct field visits, audits, and surprise checks to ensure process hygiene.

  • Coordinate closely with credit, risk, and operations teams for seamless process flow.


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