Senior Manager/AVP- Legal Collection

2 weeks ago


Gurgaon, Haryana, India Home Credit Full time ₹ 1,04,000 - ₹ 1,30,878 per year

Job Purpose:

To lead and manage legal recovery strategies across the country for Two-Wheeler and Unsecured Lending portfolios, ensuring compliance with regulatory frameworks and optimizing recovery through legal channels.

Role & responsibilities

Legal Strategy & Execution

  • Design and implement national-level legal recovery strategies for delinquent accounts.

  • Drive SARFAESI, Arbitration, Lok Adalat, and Section 138 proceedings.

  • Liaise with external legal counsel and agencies for case filings and follow-ups.

  • Ensure timely initiation and closure of legal actions across geographies.

Portfolio Management

  • Monitor legal recovery performance bucket-wise (DPD-wise) across TW and unsecured portfolios.

  • Analyze trends in legal collections and recommend corrective actions.

  • Ensure legal actions are aligned with business objectives and risk appetite.

Compliance & Governance

  • Ensure adherence to RBI guidelines, internal policies, and legal norms.

  • Maintain documentation and audit trails for all legal actions.

  • Represent the organization in legal forums and statutory bodies when required.

Team & Vendor Management

  • Manage regional legal managers and outsourced legal vendors.

  • Conduct regular training and capability building for field and legal teams.

  • Monitor SLA adherence and performance of legal vendors.

Stakeholder Collaboration

  • Work closely with collections, risk, and compliance teams to align legal recovery efforts.

  • Provide legal insights during strategy reviews and portfolio assessments.

Preferred candidate profile

LLB/LLM with 1015 years of experience in retail lending legal recoveries.

- Proven track record in managing pan-India legal collections, especially in TW and unsecured segments.

- Strong understanding of SARFAESI, Arbitration, CPC, CrPC, and RBI recovery guidelines


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