SME - Team Lead

2 days ago


Rajasar Rajasthan, India a2839a28-208d-4af7-88c0-4995429faae9 Full time ₹ 4,50,000 - ₹ 6,75,000 per year

Job Description:

Job Title: Business Loan SME Team Lead – Collections Job Summary

The Business Loan SME Team Lead – Collections is responsible for overseeing the collections function for SME/business loan portfolios, ensuring timely recovery of outstanding accounts while maintaining strong customer relationships and adhering to regulatory, risk, and policy guidelines. This role leads a team of collection specialists, provides subject-matter expertise in business loan collections, and drives strategies to reduce delinquencies, improve portfolio health, and optimize collection effectiveness.

Key Responsibilities Team Leadership & Management

  • Lead, supervise, and support a team of SME/business loan collection officers and specialists.
  • Assign and monitor workloads to ensure efficient handling of delinquent accounts.
  • Provide coaching, training, and performance evaluations to drive continuous improvement and policy adherence.
  • Motivate the team to meet collection targets and service-level expectations.

Collections Strategy & Execution

  • Develop, implement, and refine collection strategies tailored to business lending portfolios.
  • Monitor delinquency trends and ensure effective recovery actions are taken based on risk segmentation.
  • Oversee skip tracing, restructuring recommendations, field visits, and negotiation strategies for complex cases.
  • Recommend legal action or escalation to recovery units for non-performing assets (NPAs) when necessary.

Credit Risk & Portfolio Management

  • Review high-risk or high-value accounts and provide expert input on recovery options.
  • Ensure compliance with internal credit policies, regulatory requirements, and risk management frameworks.
  • Collaborate with credit, underwriting, and risk teams to identify systemic risk issues and propose preventive measures.
  • Analyze portfolio performance, early warning signs, and borrower behavior patterns to reduce future delinquency.

Job Type: Full-time

Pay: ₹30, ₹45,000.00 per month

Benefits:

  • Cell phone reimbursement
  • Health insurance
  • Paid sick time
  • Paid time off
  • Provident Fund

Education:

  • Higher Secondary(12th Pass) (Required)

Experience:

  • Field sales: 4 years (Required)
  • Management: 4 years (Required)
  • Sales: 4 years (Required)

Language:

  • Hindi (Required)

Work Location: In person


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