Role : Collection & Recovery Experience: 10+ years 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. 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. 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 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.



Identify opportunities to improve collections through new channels, processes, and technology Collections & Recovery Strategy Drive achievement of monthly/quarterly collection and recovery targets. Analyze portfolio trends, delinquency buckets, roll rates, and recovery performance. 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 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 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. Experience in BFSI, FinTech, NBFC, Banking, Lending, or related industries will be preferred Collections & Recovery Agency Management Channel Management Vendor Management Delinquency Management Field Collections Tele-Collections Portfolio Management Performance & Target Management MIS & Analytics Negotiation & Escalation Management Stakeholder Management

📌 Zonal Collections Manager - Field (Patna)
🏢 Paisalo Digital
📍 Patna