Zonal Head Collection

15 hours ago

Ahmedabad, Gujarat, India MAS Financial Services Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Role & responsibilities

Job Title : Zonal Collections Head

Department: Collections

Reports To: National Head Collections / Business Head

Location: Ahmedabad

Band: Senior Management

Key Responsibilities:

Drive and manage end-to-end collections operations across multiple states to achieve recovery targets, ensure compliance, and maintain portfolio health.

  • Develop and implement strategic collection plans to achieve zonal recovery and delinquency targets.
  • Lead, guide, and motivate State/Regional Collections Heads to deliver strong portfolio performance.
  • Monitor key metrics including DPD, roll rates, recovery ratios, and cost of collections to ensure sustained improvement.
  • Ensure adherence to all company policies, regulatory guidelines, and legal requirements in collection operations.
  • Drive process standardization, automation, and digital collection initiatives to enhance efficiency.
  • Collaborate with cross-functional teams including Credit, Risk, and Legal to drive end-to-end resolution strategies.
  • Build and maintain professional relationships with customers, agencies, and external partners to support ethical recoveries.
  • Review and present performance insights to senior leadership, implementing corrective actions where needed.

Key Performance Indicators:

  • Portfolio Delinquency and NPA Reduction
  • Recovery Efficiency and Cost Optimization
  • Process Compliance and Audit Scores
  • Team Productivity and Retention
  • Customer Experience Metrics

Preferred candidate profile

Education: Graduate / Postgraduate

Experience: years in collections with at least 3 - 5 years in a zonal or regional leadership role.

Skills & Attributes:

  • Strategic thinker with strong execution capability
  • Unsecured loan collection of X - Infinity
  • Candidate must have in-house collection team handling experience
  • Proven leadership and people management skills
  • Excellent analytical, communication, and negotiation abilities
  • Deep understanding of legal and regulatory frameworks in collections
  • Tech-savvy, with exposure to digital collection tools and analytics

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