Role Title: Area Collection Manager (ACM)

Department / Function: Collections & Recoveries (Auto Loans)

Team / Sub-department: Area Collections – Uttar Pradesh Reporting to: Regional Collection Manager Job Location: Lucknow, Uttar Pradesh

Employment Type: On-roll

Role Overview We are looking for an Area Collection Manager (ACM) for our Auto Loans business, based in Lucknow. The ACM owns collections and recovery performance for the assigned area and leads the branch collection managers and field teams in it. The role delivers collection-efficiency and bucket-resolution targets, keeps delinquency and NPAs under control, and drives repossession and vehicle-recovery outcomes.

It does all this while maintaining compliance and customer-respectful conduct. Only candidates with prior experience in auto loan collections will be considered.

- Department / team / sub-team Objective: o Keep the auto loan portfolio in the assigned area healthy by controlling delinquency, NPAs and credit cost through disciplined, compliant collections and recoveries. o Build a capable, productive and accountable local collections team, including field executives, tele-callers and agency partners, that delivers consistent monthly results.
- Area of responsibility: o Area-level ownership of bucket-wise collections (early, mid and late buckets), NPA recovery, repossession and sale of recovered vehicles. o Leadership of Branch / Cluster Collection Managers, collection executives and field teams in the assigned area. o Management of collection agencies, repossession agents and field vendors, and coordination with legal counsel for recovery actions. o Area MIS, productivity tracking and compliance with collection policy and RBI Fair Practices guidelines.
- Key results / outputs and impact on organizational goal: o Collection efficiency, bucket resolution and roll-rate / flow-rate targets achieved for the area. o Reduction in NPAs and credit cost, and improved recovery on repossessed and written-off accounts. o Higher field productivity and better-performing agencies at an optimised cost of collections. Registered Office: 2nd Floor HustleHub Tech Park Building 2,36/5 Somasundarapalya, 27th Main Road, Sector 2, HSR Layout, Bengaluru, Karnataka 560102 Contact: [email protected] www.vidyuttech.com o No material audit, compliance or customer-conduct findings, and low attrition in the collections team.
- Duties of the role: o Convert area targets into branch-, team- and executive-level plans and track daily, weekly and monthly progress. o Review delinquent accounts, early-warning signals and roll-forward cases, and prioritise high-risk and high-value accounts for focused action. o Conduct regular field visits, joint calls and review meetings with Branch Collection Managers, and coach the team on negotiation, recovery and customer handling. o Plan and execute repossession and vehicle yard management, valuation and resale or auction within policy and legal norms,



to maximise recovery value. o Manage agency and vendor performance and payouts; ensure legal notices, cases and follow ups are filed and tracked on time. o Coordinate with Sales, Credit, Operations and Legal at area level on portfolio quality and customer issues. o Ensure adherence to collection policy, RBI Fair Practices Code and outsourcing guidelines; handle customer escalations and grievances promptly.
- Things candidate is expected to do by themselves: o Own the area collection plan and results, including resourcing, team allocations and daily / weekly / monthly reviews. o Take decisions on collection actions, settlements, repossessions and legal escalations within the delegated authority. o Hire, train, coach and manage the performance of the area collections team.
- Things they will get guidance / support on? o Strategy, targets, policy direction and escalation support from the Regional / State Collection Manager. o Support from Legal, Credit, Risk, Operations and HR on legal cases, policy clarifications, data and talent. Required Skills & Competencies (Key competencies and skills required for success in this role)  Technical Skills: Hands-on expertise in auto loan collections, including bucket-wise collection strategy, field collections, repossession and vehicle resale. Working knowledge of the legal recovery Registered Office: 2nd Floor HustleHub Tech Park Building 2,36/5 Somasundarapalya, 27th Main Road, Sector 2, HSR Layout, Bengaluru, Karnataka 560102 Contact: [email protected] www.vidyuttech.com process (Section 138 NI Act, arbitration, SARFAESI) and the RBI Fair Practices Code. Comfortable with collection MIS, Excel and loan / collection management systems.

 Communication Skills: Transparent verbal and written communication in Hindi and English. Prepares daily / weekly / monthly performance reviews and escalation notes for the Regional / State Collection Manager, and communicates firmly and respectfully with customers, field teams, agencies and legal counsel.

 Customer Backward thinking: Treats customers fairly while pursuing recovery. Understands the customer's repayment situation, offers practical resolutions, and maintains compliant, ethical and respectful conduct in all field and tele-collection activity.

 Problem Solving: Finds the root causes of delinquency, such as branch, dealer, vintage or customer profile, and takes practical, data-backed corrective action. Resolves difficult, high-value and disputed cases with sound judgement.

 Ability to get things done: Strong execution record:



delivers monthly collection and recovery targets, runs tight review cadences, follows up on the field with urgency and closes actions on time.

 Strategic Thinking and Prioritization: Prioritises effort across branches, buckets and accounts to get the maximum impact on collection efficiency and NPAs, while balancing daily collection pressure with longer-term portfolio health.

 Leadership: Leads and motivates a geographically spread team of branch managers and field staff, sets explicit expectations, and develops talent. Shows ownership, integrity and credibility with peers, senior management and external partners. Relevant Experiences (Qualifications and experience required)

 Years of Experience: 5-7 years of experience in collections, with prior experience leading a team (area / cluster / branch level) and achieving collection targets. To be confirmed by the hiring manager.  Industry Experience: Candidates must have auto loans collections experience (NBFC / bank / auto financier); this is mandatory. Candidates without auto loan experience will not be considered.

 Educational Background: Graduate in any discipline (mandatory); MBA / PGDM preferred. Knowledge of Hindi and English is required; local knowledge of Uttar Pradesh is an advantage. Registered Office: 2nd Floor HustleHub Tech Park Building 2,36/5 Somasundarapalya, 27th Main Road, Sector 2, HSR Layout, Bengaluru, Karnataka 560102 Contact: [email protected] www.vidyuttech.com

Interview Process: If shortlisted, candidates can expect the following rounds of interviews, that is a part of a structured interview process designed to assess skills, competencies, experience, and alignment with our values and culture. The process includes the following stages:

- Initial Screening: A brief introductory call with our recruiting team to discuss your background, the role, and your interest in joining our team.
- Hiring Manager Intro call: A meeting with the hiring manager to dive deeper into the role, expectations, and your qualifications. If Hiring manager is ok to proceed with the candidate, then the following rounds: 3. Technical/Skills Assessment / Round 1: A conversation or practical exercise focused on assessing your technical skills or relevant expertise. Can be written / practical or interview based (problem solving / analytics ability etc for business generalist / sales / operations / collections). Evaluating on a competency / value as required in the JD.
- Round 2 /Bar Raiser – Interviewer will evaluate whether candidate is raising the bar on quality of talent for the org at the specific team / layer. This is conducted by a team member of a different function. Evaluating on a competency / value as required in the JD.
- Team Fit and Culture Interview: HR round - an opportunity to learn more about the work environment and discuss alignment with our core values and culture.

📌 Area Collection Manager (Lucknow)
🏢 VidyutTech
📍 Lucknow