SME - Team Lead
2 days ago
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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