About Our Client

Our client is a well-established Housing Finance Company with a robust presence across India and an Assets Under Management (AUM) portfolio of approximately ₹2,800 crore. The organisation has built a reputation for serving underserved customer segments while maintaining strong portfolio quality, operational discipline, and sustainable growth.

Job Description

The Head of Collections & Legal will lead the organisation's collections strategy and legal recovery framework across India.

Key responsibilities include:
- Driving end-to-end collections performance across current, delinquent, and NPA portfolios.
- Developing and implementing collection strategies to improve recoveries and maintain portfolio quality.
- Managing retail collections operations across multiple states and branches.
- Leading legal recovery initiatives, SARFAESI proceedings, arbitration matters, and recovery litigation where applicable.
- Monitoring delinquency trends, bucket movement, roll rates, and collection effectiveness.
- Partnering with business, credit, risk,



and operations teams to minimise portfolio stress.
- Managing a team of approximately 130 employees through 6 direct-report State Heads.
- Establishing governance frameworks, collection controls, agency management practices, and regulatory compliance standards.
- Driving performance through data-led decision-making, portfolio analytics, and field recovery strategies.
- Ensuring adherence to regulatory guidelines and customer-centric collection practices.

The Successful Applicant

Profile of the Successful ApplicantExperience
- 15+ years of experience in collections, recoveries, and legal functions within retail lending.
- Minimum 3 to 4 years of experience in a Housing Finance Company (HFC) is mandatory.
- Proven track record of managing delinquency, NPA reduction, and large-scale recovery operations.
- Experience leading pan-India collections teams and multi-location operations.
- Prior experience in relatively le

📌 Head of Collection (India)
🏢 Michael Page
📍 India