Job Description (JD) - Team Collections Manager - Tractor & Farm Equipment

Designation:

Team Collections Manager - Tractor & Farm Equipment Finance

Department:

Collections & Recovery

Reporting To:

Area Collections Manager / Regional Collections Manager

Location:

As per business requirement

Job Purpose

To lead and manage the collections function for Tractor & Farm Equipment finance portfolios within the assigned geography. The role involves driving collection efficiency, minimizing delinquencies, improving portfolio health, managing collection agencies, and ensuring compliance with organizational and regulatory guidelines.

Key Responsibilities

- Manage collections and recovery activities for Tractor & Farm Equipment loan portfolios.
- Ensure achievement of collection targets and reduction of delinquency across all assigned buckets.
- Monitor overdue accounts and initiate timely recovery actions.
- Lead, mentor, and monitor the performance of field collection executives and agency partners.
- Develop collection strategies to improve portfolio performance and reduce NPA levels.
- Conduct regular field visits for high-value and critical cases.
- Ensure adherence to collection policies, regulatory guidelines, and code of conduct.
- Coordinate with Sales, Credit, Operations, and Legal teams for resolution of delinquent accounts.




- Handle escalated customer cases and negotiate repayment solutions.
- Manage repossession, settlement, and legal recovery processes wherever required.
- Review collection MIS, portfolio trends, and recovery performance on a regular basis.
- Strengthen relationships with local stakeholders, dealers, and rural communities to support recovery efforts.
- Ensure productivity improvement and optimal utilization of collection resources.

Eligibility Criteria

Education

- Graduate in any discipline.
- MBA/PGDM preferred.

Experience

- 4-8 years of experience in Collections, Recovery, or Portfolio Management.
- Prior experience in Tractor Finance, Farm Equipment Finance, Vehicle Finance, Rural Lending, or Retail Asset Collections preferred.
- Experience in team handling and agency management is mandatory.

Required Skills

- Solid knowledge of collections and recovery processes.
- Understanding of tractor finance and rural lending markets.
- Team management and leadership capabilities.
- Negotiation and conflict resolution skills.
- Analytical and problem-solving abilities.
- Strong stakeholder and vendor management skills.
- Knowledge of legal recovery and repossession processes.
- Proficiency in MS Excel and collection MIS reporting.

📌 Team Collection Manager_Tractors and Farm Equipments (TFE)_0223_3710_1100833_HRR (India)
🏢 Kotak Mahindra Bank
📍 India