Company - Incred Financial Services
Position - Area Collections Manager
Location - Bangalore
Experience - 3+ years
We are looking for a result-driven
Area Collections Manager
to lead and manage collections & recovery for
unsecured loan portfolios
. You will be responsible for overseeing a team of collection officers and agency partners, ensuring high recovery rates, minimizing delinquencies, and maintaining regulatory compliance.
Manage and drive recovery operations for
unsecured personal loans
across assigned territory.
Monitor and control portfolio delinquency, especially
early and late-stage buckets
.
Recruit, train, and manage field collection teams and recovery agencies.
Develop and implement
collection strategies
to improve recovery efficiency and cost-effectiveness.
Ensure adherence to
compliance guidelines
and maintain ethical recovery practices.
Liaise with legal teams for escalated recoveries including
settlements, arbitration, and legal actions
.
Use data insights and MIS reports to track performance and highlight portfolio risks.
Conduct field visits, audits, and surprise checks to ensure process hygiene.
Coordinate closely with credit, risk, and operations teams for seamless process flow.