National Collection Head - Supply Chain Finance (SCF)
Employee Interviewed
Reports To
Business Head - SCF
Company
Muthoot Fincorp Limited
Function/Department
Collections & Recovery
Location
Chennai
Written By
Sachin Purwar
Approved By (Functional)
Business Head -SCF
Approved By (People & Culture)
Date (Written On)
09/04/2026
ROLE SUMMARY The National Collection Head – SCF is responsible for designing, implementing, and monitoring the end-to-end collection and recovery strategy for the Supply Chain Finance portfolio. This role focuses on maintaining healthy portfolio quality (low GNPA/NNPA) by managing vendor/dealer repayments, early warning signals, and legal recovery processes across the pan-India network.
ORGANIZATIONAL CHART
KEY RESPONSIBILITIES
Operations & Transactional
- Strategy Formulation: Develop and execute segment-specific collection strategies for Dealer Financing, Vendor Discounting, and Factoring products.
- Portfolio Monitoring: Reviewing Delinquency trends (30, 60, 90+ DPD) and implementing corrective actions to prevent slippages into NPA.
- Agency Management: Onboarding and managing specialized collection agencies and ensuring adherence to the Fair Practices Code (FPC).
- Digital Collections: Implementing automated payment reminders, NACH/e-Mandate tracking, and digital payment links to improve self-cure rates.
Process Improvement
- EWS Framework: Enhancing Early Warning Signals (EWS) by integrating transaction data and market intelligence to identify "at-risk" anchors or dealers.
- Policy Refinement:
Periodically updating the collection policy based on market volatility and regulatory changes (RBI guidelines).
- Efficiency: Automating the allocation of delinquent cases to field staff/agencies through a robust Loan Management System (LMS).
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KEY INTERACTIONS
Internal Stakeholders
External Stakeholders
Risk & Credit: For feedback on sourcing quality and EWS.
Collection Agencies: For field-level execution.
Sales/Business Team: To coordinate with Anchors/Corporates.
Legal Counsel: For SARFAESI, Sec 138, and arbitration.
IT & Operations: For LMS updates and payment reconciliation.
RBI/Auditors: For compliance and portfolio audits.
KEY ROLE DIMENSIONS
Geographical Coverage
Pan India (SULB - Small Unit Loan Business)
Direct Reportees
4 - 6 (Zonal/Regional Managers)
Total Team Size
KEY SKILLS & BEHAVIOURAL ATTRIBUTES
- Analytical Rigor: Proficiency in interpreting complex delinquency data and flow rates.
- Negotiation Skills: Ability to handle high-ticket settlements and distressed corporate anchors.
- Regulatory Knowledge: Deep understanding of RBI guidelines on recovery, IBC, and Securitization.
- Leadership: Experience in managing large, remote teams across diverse geographies.
EDUCATION / EXPERIENCE
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- Education: Post-Graduate/MBA in Finance or related field.
- Experience: Minimum 15–18 years in NBFC/Banking, with at least 8 years specifically in Supply Chain Finance or Corporate Collections.
- Exposure: Strong track record in managing "Bucket 0" to "Write-off" portfolios in a high-volume workplace.
📌 National Collection Manager - Scf (Chennai)
🏢 Muthoot Fincorp
📍 Chennai
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