Job Description

Role Purpose

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To lead and drive collections performance for the Personal Loan and Business Loan portfolio across Bucket X and Bucket 1 for the Bihar (Patna) region, ensuring roll-back targets, minimizing flow-through to higher buckets, and managing a team of collection executives/tele-callers/field agents and collection agencies.

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Key Responsibilities

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- Own end-to-end collections performance (resolution %, roll-back, flow rates) for PL/BL portfolio in Bucket X and Bucket 1 across the Patna/Bihar region.n
- Manage and drive productivity of in-house collection team and third-party collection agencies (DCAs) operating in the region.n
- Monitor daily/weekly collection trends, bucket-wise flow and roll-rate MIS; take corrective action to control slippage into higher buckets (Bucket 2+).n
- Ensure adherence to RBI/company collection guidelines, fair practice code, and code of conduct during recovery efforts.n
- Conduct field visits, customer contact audits,



and joint calls with team members to strengthen ground-level collection efficiency.n
- Drive tele-calling and digital collection channel effectiveness (SMS, IVR, payment links, etc.) for early bucket recovery.n
- Recruit, train, and manage performance of collection executives/field officers within the region.n
- Coordinate with credit, risk, and operations teams for portfolio quality feedback and early-warning signal management.n
- Manage agency empanelment, incentive structures, and agency performance reviews within Bihar.n
- Ensure timely and accurate reporting of collection MIS, PTP (promise-to-pay) tracking, and settlement/restructuring cases as per policy.n
- Handle escalations, customer grievances, and legal/compliance matters related to collections in the region.n

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📌 Regional Collections Manager- Personal/ Business Loan (Bihar)
🏢 People Konnect
📍 Bihar