Role & responsibilities

Portfolio Management

- Monitor overall receivables performance and delinquency levels across the state.

- Drive collection strategies to achieve bucket-wise collection targets.

- Ensure control over overdue accounts and reduce roll-forward percentages.

- Analyze portfolio trends and initiate corrective actions to improve asset quality.

Collections & Recovery Management

- Manage Stage 01 delinquency accounts and ensure timely recovery of dues.

- Track daily collection performance of branches and collection teams.

- Implement early warning mechanisms to prevent accounts from slipping into higher delinquency buckets.

- Ensure effective follow-up with customers through tele-calling and field collections.

Team Management

- Guide and support Branch Collection Executives and Team Leaders.

- Conduct periodic reviews on collection performance and productivity.

- Identify training needs and ensure capability development of collection teams.

- Drive performance accountability across branches.

Stakeholder Management





- Coordinate with Branch Business Teams, Credit, Operations, and Risk teams for effective receivables management.

- Support branch teams in resolving customer disputes impacting collections.

- Ensure smooth communication between state and regional collection functions.

Compliance & Governance

- Ensure all collection activities are conducted as per company policies, regulatory guidelines, and ethical standards.

- Monitor adherence to collection processes and documentation requirements.

- Ensure timely closure of audit observations related to collections.

MIS & Reporting

- Publish periodic MIS reports on collection performance, delinquency trends, and recovery status.

- Analyze data to identify risk areas and recommend action plans.

- Present state-level collection performance during review meetings.

Preferred candidate profile

📌 State Receivables Manager (Two Wheeler & Three Wheeler) - Stage 01 (Kochi)
🏢 Chola
📍 Kochi