Role: Collection & Recovery
Experience: 10+ years

Locations: Bihar - Patna

Maharashtra - Pune
New Delhi

Uttar Pradesh - Lucknow/Varanasi

Role Overvie

wWe are looking for an experienced Collections & Recovery professional with strong expertise in agency management, team handling, and collections channel management. The candidate will be responsible for driving collection and recovery performance, managing external collection agencies, leading internal teams, and ensuring effective execution of collection strategies across channels.

Key Responsibilities

1. Agency Management

Manage and monitor third-party collection and recovery agencies

Allocate accounts/portfolios to agencies based on performance and business requirements
Track agency-wise productivity, collections, recovery rates, and operational KPIs.
Conduct regular performance reviews and drive agencies to achieve assigned targets.
Ensure agencies comply with company policies, regulatory requirements, and collection guidelines.
Identify underperforming agencies and implement corrective action plans.
Develop strong relationships with agency partners and negotiate operational requirements where necessary.

1. Team Handling

Lead, manage, and motivate the collections/recovery team to achieve business targets
Set daily, weekly, and monthly collection targets for the team
Monitor individual and team-level performance through regular MIS and reviews
Coach team members on collection strategies, customer handling, negotiation, and escalation management
Drive productivity and ensure effective allocation of accounts and field resources
Handle escalations and support the team in resolving complex recovery cases

1. Channel Management

Manage multiple collection channels including in-house, field collections, agencies, tele-calling, digital/payment channels, and other recovery channels

Develop and implement channel-wise collection strategies based on portfolio performance.




Optimize account allocation across channels to maximize recovery and cost efficiency.

Monitor channel productivity, conversion, recovery rates, and operational costs.

Identify opportunities to improve collections through new channels, processes, and technology

1. Collections & Recovery Strategy

Drive achievement of monthly/quarterly collection and recovery targets.

Analyze portfolio trends, delinquency buckets, roll rates, and recovery performance.
Develop strategies for different delinquency stages and customer segments.

Monitor high-risk and high-value accounts and ensure timely action.

Work closely with internal stakeholders such as Operations, Risk, Credit, Legal, Finance, and Customer Service

1. MIS & Performance Management

Prepare and review daily/weekly/monthly collection performance reports.

Track key metrics include collection efficiency, recovery rate, PTP conversion, PTP adherence, agency productivity, and bucket-wise performance.
Use data and performance insights to identify gaps and improve recovery outcomes.

Present performance updates and action plans to senior management

Candidate Profile
Graduate/Postgraduate with relevant experience in Collections & Recovery.
Proven experience in collection agency handling and third-party vendor management.
Solid experience in team handling and performance management.
Experience managing multiple collection channels and portfolios.
Strong understanding of collection processes, delinquency management, and recovery strategies.
Good analytical and MIS skills.
Strong communication, negotiation, leadership, and stakeholder-management skills.
Ability to work in a target-driven and fast-paced environment.

Experience in BFSI, Fin Tech, NBFC, Banking, Lending, or related industries will be preferred

Key Skills
Collections & Recovery
Agency Management
Team Handling
Channel Management
Vendor Management
Delinquency Management
Field Collections
Tele-Collections
Portfolio Management
Performance & Target Management
MIS & Analytics
Negotiation & Escalation Management

Stakeholder Management

📌 Regional Collections Manager (Mumbai)
🏢 Paisalo Digital
📍 Mumbai