Job Description – Zonal Collections Manager (Recoveries)
Location-Mumbai
Exp-10-14yrs
Role & responsibilities-
 Lead and oversee Personal Loan collections (digital and non-digital) operations across multiple regions
within the assigned zone, ensuring alignment with organizational objectives.
 Drive strategic recovery efforts for bucket-4 and higher delinquency portfolios, working closely with
Regional Collections Managers (RCMs), Area Collection Managers (ACMs), and vendor partners.
 Own the zonal portfolio performance, focusing on reducing delinquencies, improving recovery rates, and
optimizing receivable management.
 Formulate and implement zone-wide collection strategies, frameworks, and SOPs in coordination with Risk,
Credit, Legal, and Operations teams.
 Monitor and guide regional teams on achieving monthly and quarterly collection targets, ensuring
consistency in execution across locations.
 Act as a strategic partner to business, sales, and credit teams to maintain portfolio health and strengthen
pre-delinquency controls.




 Establish robust governance and compliance mechanisms across all collection activities, ensuring adherence
to regulatory guidelines and internal audit standards.
 Lead the review and performance monitoring of multiple vendor agencies, ensuring cost-efficiency, quality,
and ethical collection practices.
 Identify performance gaps and skill development needs across the collection hierarchy, drive training
interventions and leadership grooming initiatives.
 Design and execute zone-level incentive programs, productivity boosters, and performance contests in line
with business goals.
 Analyse collection trends, regional challenges, and operational bottlenecks to provide data-driven insights
to top management.
 Oversee the legal recovery process at a zonal level, ensuring timely execution of litigation, arbitration, and
settlement procedures for chronic accounts.
 Champion customer-centric resolution models for escalated disputes and

📌 Incred-Zonal Collections Manager (Mumbai)
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📍 Mumbai