Job Requirements

Job Purpose: The Area Debt Manager Flows – Rural Assets is responsible for managing a team and coordinating operational recovery activities for a credit portfolio within an assigned territory. This includes overseeing corporate policies and procedures, minimizing front-end delinquencies, and collaborating with the legal team to manage complex cases. The role entails end-to-end collection responsibility and has a direct impact on the financial institution’s budget planning.

Roles & Responsibilities:

Primary Responsibilities
- Manage collections for specific products within the assigned area.
- Ensure collection efficiency and control costs associated with collections.
- Track and control delinquency by bucket and Days Past Due (DPD), with a focus on non-starters.
- Review account allocations and set collection targets by bucket for agencies and in-house teams.




- Follow up regularly with default customers through a dedicated team.
- Ensure collection agencies and executives adhere to legal guidelines.
- Monitor productivity by setting parameters for in-house teams, agencies, and collection executives.
- Ensure adequate 'Feet on Street' availability across area, bucket, and segment.
- Conduct background and reference checks for appointed agencies and Direct Collection Teams (DCTs) and evaluate them regularly.
- Collaborate with the legal team to ensure appropriate legal action is taken on specified cases.
- Build relationships with key clients to ensure timely collections.
- Determine suitable tactics and

📌 Area Collection Manager-Unsecured Loans (Raipur)
🏢 SKILLVENTORY
📍 Raipur