Reporting To: National Collections Head / Zonal Collections Head

Key Responsibilities

- Develop and execute state-level collection strategies tailored to Micro LAP products.

- Monitor portfolio health across branches and ensure reduction in delinquency rates.

- Align state targets with national recovery goals and compliance standards.

Portfolio Management

- Oversee collections for the entire Micro LAP portfolio within the state.

- Ensure timely follow-up on overdue accounts and minimize NPAs.

- Analyze repayment trends and implement corrective action plans.

Team Leadership

- Lead and mentor area collection managers and field recovery teams.

- Set KPIs and conduct regular performance reviews.

- Ensure adherence to ethical recovery practices and regulatory norms.

- Proven ability to manage large teams across geographies

Stakeholder Coordination

- Collaborate with Sales,credit, risk, legal,



and operations teams to streamline recovery efforts.

- Liaise with local law enforcement and legal counsel for escalated cases.

- Familiarity with SARFAESI, arbitration, Sec-138,156(3)Etc.

- Represent the organization in arbitration or legal proceedings when required.

Process & Compliance

- Ensure compliance with RBI guidelines and internal SOPs for collections.

- Implement tech-enabled tracking systems for real-time recovery updates.

- Drive training programs on recovery protocols and customer handling.

Qualifications & Experience

Education: Graduate/Postgraduate

Experience: 10 years in collections, with at least 5 years in a leadership role managing Micro LAP or similar secured and Unsecured portfolios

📌 State Head – Collections (Micro LAP Portfolio and Unsecured Portfolio) (India)
🏢 Ghrig People Solutions
📍 India