Experience: 4 to 7 years as Collections Recovery TL
About the Role: Lead the field recovery team responsible for overdue and delinquent gold-loan accounts. Own day-to-day field execution, team productivity, account prioritisation, customer follow-ups and recovery outcomes across the assigned geography.
Responsibilities:
Field Recovery:
- Drive recovery of overdue and delinquent gold-loan accounts across DPD buckets.
- Prioritise accounts based on ageing, outstanding amount, risk and recovery potential.
- Ensure timely field visits, customer follow-ups and PTP adherence.
- Handle escalated / difficult customer cases and support resolution.
Team Management:
- Lead and coach a team of Field Collection Executives.
- Allocate accounts and territories and set daily/monthly targets.
- Track field visits, collections, productivity and attendance.
- Conduct daily performance reviews and address execution gaps.
- Accompany team members on critical field visits where required.
Performance & Reporting:
- Track recovery rate, PTP conversion, field productivity and DPD movement.
- Identify high-risk and high-value accounts for immediate action.
- Ensure accurate and timely CRM updates and field visit remarks.
- Escalate unresolved and high-risk cases to the Collections Lead.
Process & Compliance:
- Ensure field recovery follows company policies and applicable regulatory guidelines.
- Maintain professional customer communication and proper documentation.
- Coordinate with internal teams for payment confirmation, escalations and resolution.
Requirement:
- Prior team-handling experience preferred.
- Experience in NBFC, banking, gold loans, fintech or lending preferred.
- Strong hands-on experience in overdue / delinquency management.
- Solid field recovery and customer negotiation skills.
- Ability to manage target-driven collection teams.
- Good understanding of DPD, PTP and recovery metrics.
- Comfortable with CRM-based tracking and reporting.
- Strong local geography knowledge and willingness to travel.
- Daily field recovery reviews and account allocation.
- Team coaching and productivity improvement.
- High-risk account identification and escalation.
- Consistent field coverage and CRM discipline.
- Continuous improvement in recovery and resolution rates.
About Hireginie: Hireginie is a prominent talent search company specializing in connecting top talent with leading organizations. We are committed to excellence and offer customized recruitment solutions across industries, ensuring a seamless and transparent hiring process. Our mission is to empower both clients and candidates by matching the right talent with the right opportunities, fostering growth and success for all.