Area Recovery Manager – Collections (Tractor Loan)

Roles & Responsibilities

• Manage collections and recovery for the assigned tractor loan portfolio to minimize delinquency.
• Monitor overdue accounts (30+, 60+, 90+ DPD) and ensure timely recovery.
• Develop and implement effective recovery strategies to achieve monthly collection targets.
• Lead, train, and monitor the performance of field collection executives and recovery agents.
• Conduct customer visits and negotiate repayment plans for delinquent borrowers.
• Coordinate with branch sales, credit, and operations teams to resolve collection-related issues.
• Ensure compliance with RBI guidelines, company policies, and ethical collection practices.
• Identify high-risk accounts and initiate early intervention to prevent loan defaults.
• Handle legal recovery cases, repossession processes, and coordination with legal teams when required.
• Maintain accurate records of collection activities, customer interactions, and recovery status.
• Analyze collection MIS reports and prepare daily, weekly, and monthly performance reports.




• Reduce bucket-wise delinquency and improve portfolio quality across the assigned area.
• Resolve customer grievances related to loan repayment and recovery activities.
• Coordinate with external agencies, recovery vendors, and legal partners for productive recoveries.
• Conduct regular field audits to ensure adherence to collection processes and productivity standards.
• Ensure achievement of recovery, roll-back, and NPA reduction targets.
• Build and maintain strong relationships with branch managers and local stakeholders to support recovery efforts.
• Identify process improvement opportunities to enhance collection efficiency and reduce losses.

Key Skills

• Tractor Loan Collections & Recovery
• Delinquency Management (DPD Buckets)
• Field Collections
• Team Handling & Leadership
• Negotiation & Conflict Resolution
• Legal Recovery & Repossession
• Portfolio & Risk Management
• MIS Rep

📌 Area Recovery Manager (Mandsaur)
🏢 SkillLabs
📍 Mandsaur