Territory Recovery Manager Role Profile Role Title: Territory Recovery Manager Page Break ROLE SPECIFICATION Role Title Territory Recovery Manager Employee Interviewed Reports To RRM – Recovery Company Muthoot Fincorp Limited Function/Department Secured & Unsecured Lending Business / Recovery Written By Samyukt Approved By (Jobholder) Approved By (Immediate Superior) Date (Written On) 10 th Dec’24 ROLE SUMMARY The role involves overseeing and managing the recovery and continuity of operations within a specific geographic. He will be responsible for managing a team of Area recovery managers, developing and implementing effective recovery strategies, and ensuring compliance with regulatory requirements . . ORGANIZATIONAL CHART KEY RESPONSIBILITIES Portfolio Management Develop and implement effective recovery strategies to minimize losses and maximize recoveries, in line with organizational policies and regulatory requirements.

Continuously review and improve recovery processes, identifying opportunities for efficiency gains and cost reductions Oversee a portfolio of business loans, identifying potential risks and opportunities for recovery, and developing targeted recovery plans.

Stakeholder Management

Engage with internal stakeholders, including sales, and risk teams, to ensure alignment and effective communication.



Interact with customers to negotiate repayment plans, settlements, and other recovery-related activities.

Compliance Management

Ensure compliance with regulatory requirements, organizational policies, and industry standards.

Data Management

Provide regular reports and analysis on recovery performance, including metrics such as recovery rates, days to recover, and loss given default. KEY CHALLENGES Technology Challenges – M Collect Tool Lack of technology support (Cibil tool) KEY DECISIONS TAKEN NA KEY INTERACTIONS Internal Stakeholders External Stakeholders Sales, Legal, Operation, Audit Customers, Police dept, Legal KEY ROLE DIMENSIONS Geographical Coverage- No of Direct Reportees- Total Team Size – Loan Account Managed Portfolio 45- 60 Branches (250 – 400 Kms) 6 -9 ( ARM’s ) 6 -8 7000 accounts 5 cr KEY SKILLS & BEHAVIOURAL ATTRIBUTES Knowledge of legal and risk management Knowledge of lending unsecured products, processes, and regulations Knowledge in data interpretation Planning & execution Valuable communication in local language Interpersonal skills, with the ability to collaborate with internal stakeholders and external partners.

EDUCATION / EXPERIENCE Minimum Qualification: Any Graduate Nature of Experience: 5 Years Experience in Recovery / Similar Experience from BFSI

📌 Territory Recovery Manager (Rajahmundry)
🏢 Muthoot Fincorp
📍 Rajahmundry