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
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.
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.
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.
Business Continuity Audits
For repeat defaulters, conduct deep-dive in office 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