JOB DESCRIPTION

Role TitleZonal Collection Manager / Zonal Collection Head East

Employee Interviewed

Reports To

Neelam Sharma

Company DMI Finance Private Limited

Function/ DepartmentConsumer Finance – Collections

LocationMumbai

1. JOB PURPOSE

(Summarize in one statement why the job exists; and how it contributes to the overall objective of the company)

Drive Collections for the region in the delinquent portfolio (30 DPD & above) ensuring adherence to Policy/ compliance protocols; Control delinquencies, cost of collections. forecast to ensure it is within the threshold; bounce & penal charges collections; monitor the portfolio and contribute through quality inputs to the business and policy teams for corrective actions; plan and evaluate the capacity needs and work in tandem with the strategy team for implementation of strategies that include digitization/cost reduction projects

2. ORGANISATIONAL CHART

(First level reporting chart for the job)

3.PRINCIPAL ACCOUNTABILITIES

(Accountabilities associated with the job)

1.Ensuring minimal flows from front end to 30+ and reduce losses.

Restrict the flow of delinquent accounts to higher Days Past Due by efficient BKT closing through on role employees and external vendors

Monitor and review delinquent accounts effectively

Control inventories & strategize to lower the NPA

Minimize NPA and ensure that it is within the budget

Focus on operational efficiencies and deliver on cost targets

Analyze portfolio behavior & taking proactive measures

Monitor overall performance of the region wrt Collection KPIs and scorecard metrices

2.Team/ Agency Management

 Evaluate the capacity needs and ensuring timely staffing & hiring in line with the portfolio to drive bucket efficiencies

Identify and hire Agency managers (in Collections team)

Evaluate/ Review & recommend agency empanelment

Set up of BKT-wise, manager-wise & agency-wise daily, weekly & monthly targets





 Ensure training programs for current joiners & internal debt training programs for collection managers & external vendors.

Ensure that the agency bills are raised in a timely manner and without discrepancies



3.Cross Function Management

Liaison with support functions to improve portfolio performance

Devise strategy along with credit team to ensure strict controls on quality of sourcing

Identify potential fraud & work on it in co-ordination with the credit / Ops and Legal team

Provide inputs to the fraud control team on early indicators and support investigations

4.Audits, Compliance & Policy/ Process Controls

Drive team to achieve satisfactory audit ratings done external agencies & drive compliance of regulatory requirements

 Ensure adherence to DMI code of conduct Policy

Ensure adherence to Compliance of data security norms

Ensure adherence to Adherence to process control requirements

5.Control & Resolution of Escalations

- Ensuring all customer escalations are closed in a timely manner

Other Dimensions (FY 23)

(Significant volume dimensions associated with the job)

Total Team Size: 3-4

Number of Direct Reports: 4-5

Number of Outsourced/ agency employees- 120-150 nos.

< Other volume dimensions e.g. No. of agencies managed: 8-10

4. SKILLS AND KNOWLEDGE

(Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent)

Educational Qualifications

a)Qualifications

Minimum Qualification required: Graduate/Postgraduate (Any stream)

b)Work Experience

 10-14 years of total experience; relevant experience 8-12 years

Banking/NBFC

Communication Skills

Negotiation Skill

Team Management

Presentation Skills

Analytical Skills

Updated Date

05-08-2026

Job ID

Job_458

Department

Consumer Finance-Collections

Location

Andheri East, Mumbai, Maharashtra, India

Employee Type

Full Time

📌 Zonal Collections Head (India)
🏢 DMI Finance
📍 India