Job Description: Collection Manager (Early Bucket – SCF/MSME)
We are looking for a seasoned Collection Manager with a strategic mindset to oversee our early-stage delinquency portfolio (0–30 days DPD). This role requires a skilled who can blend on-ground grit with administrative precision to maintain the health of our Supply Chain Finance (SCF) and MSME portfolios.
As a manager, you will be responsible not only for debt recovery but also for identifying business risks and ensuring the seamless re-utilization of credit limits.
Key Responsibilities
1. Strategic Field Collections (0–30 Days DPD)
- Lead and execute direct follow-ups for accounts in the early delinquency stage.
- Perform mandatory direct visits to customer premises for high-value or sensitive DPD cases to ensure immediate payment collection.
2. Stakeholder Coordination & Limit Utilization
- Act as the bridge between Collections and Sales: Once payments are collected, proactively coordinate with the Sales Team to encourage the borrower to utilize their credit limits again, ensuring no loss in business momentum.
3.
Legal Escalation & Compliance
- For borrowers failing to settle dues within the 30-day window:
- Partner with the Legal Team to initiate Loan Recall Notices (LRN).
- Oversee NACH/Cheque presentations and ensure all legal formalities are strictly adhered to.
- Maintain a tracking mechanism for all legal notices issued.
4. Business Continuity Audits
- For repeat defaulters, conduct deep-dive on-site inspections of the borrower’s business operations.
- Assess and report on whether the business is functional, identifying any operational risks that might lead to future defaults.
Candidate Profile
- Experience: 3–5 years of core experience in Collections, specifically within SCF (Supply Chain Finance) or MSME lending.
- Education: Graduate/Post-Graduate in Finance, Commerce, or a related field.
- Technical Knowledge: Deep understanding of the MSME ecosystem, cash flow-based lending, and legal