State Head

7 days ago

Thiruvananthapuram, Kerala, India SI CREVA CAPITAL SERVICES PRIVATE LIMITED Full time

Job Title: State Head – Personal Loan Collections

Company: SI Creva Capital Services Pvt. Ltd. (Kissht + Ring)

Department: Collections

Location: Trivandrum

Experience: 4–8 years in Collections (preferably Personal Loans/PL Bucket Management)

Job Type: Full-time

Job Summary:

We are seeking a highly experienced and performance-driven State Head – Personal Loan Collections to lead and manage end-to-end collection operations across the state. The role involves team management, bucket-wise recovery planning, agency coordination, performance monitoring, and ensuring achievement of monthly recovery targets while maintaining compliance and customer handling standards.

Key Responsibilities:

1. State-Level Collection Management

  • Handle and monitor Personal Loan Collection portfolios across all buckets (X, 1, 2, 3, 4+).
  • Prepare daily, weekly, and monthly recovery plans aligned with business targets.
  • Drive DRR, flow rates, rollbacks, and overall monthly collection performance.

2. Team & Agency Management

  • Manage and lead Managers, TLs, FOS, and outsourced collection agencies.
  • Develop a team of 5 TL & 60 FOS under you
  • Allocate targets, review daily performance, and ensure field discipline.
  • Recruit, train, and motivate the team to ensure productivity and compliance.

3. Process & Compliance

  • Ensure all collections follow company policy, RBI guidelines, and ethical practices.
  • Monitor call recordings, field visits, customer interactions, and QC parameters.
  • Ensure timely escalation and closure of sensitive, high-risk, or legal cases.

4. Performance Reporting

  • Publish state-level collection dashboards, MIS, and daily reviews.
  • Conduct meetings with senior management regarding portfolio health and action plans.
  • Track and control expenses, payouts, and agency performance metrics.

5. Operational Excellence

  • Ensure quality visits, proper documentation, selfie proofs, and system updates.
  • Improve collection efficiency through process improvements and data-driven planning.
  • Handling customer escalations and ensuring timely resolution.

Job Types: Full-time, Permanent

Pay: ₹45, ₹50,000.00 per month

Benefits:

  • Provident Fund

Work Location: In person

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