Group Company: AU Small Finance Bank Limited

Designation: Cluster Collection Manager LAP-HL Flow

Office Location:

Position description: #Position description#

Primary Responsibilities: #Primary Responsibilities#

Additional Responsibilities: #Additional Responsibilities#

Reporting Team

- Reporting Designation: #Reporting Designation#
- Reporting Department: #Reporting Department#

Educational qualifications preferred

#Education and Experience#

- Category: #Category#
- Field specialization: #Field specialization#
- Degree: #Degree#
- Academic score: #Academic score#
- Institution tier: #Institution tier#

Required Certification/s: #Required Certification/s#

Required Training/s: #Required Training/s#

Required work experience

- Industry: #Industry#
- Role: #Role#
- Years of experience: #Years of experience#

Job Brief:- We are seeking an experienced and strategic leader to oversee and manage the collections operations within the LAP-HL (Loan Against Property - Home Loan) segment at AU Small Finance Bank Limited. This role demands a agile professional who can drive the cluster-level collection strategies, ensure timely recovery of dues, and maintain high standards of compliance and customer service. The ideal candidate will have a deep understanding of financial services collections, strong analytical skills, and the ability to lead and motivate a team to achieve ambitious recovery targets while minimizing risk and maintaining customer relationships.Responsibilities:-

- Develop and implement effective collection strategies for the LAP-HL portfolio across the assigned cluster to maximize recovery and minimize delinquency.
- Lead, mentor, and manage a team of collection officers and field agents to ensure adherence to collection targets and operational guidelines.
- Monitor daily collection activities, analyze collection data, and generate reports to track performance against targets and identify areas for improvement.
- Coordinate with credit, legal,



and risk departments to manage non-performing assets and initiate recovery actions including legal proceedings when necessary.
- Ensure compliance with regulatory guidelines, internal policies, and ethical standards in all collection activities.
- Build and maintain strong relationships with customers to facilitate amicable resolution of overdue accounts and enhance customer retention.
- Conduct regular training sessions for the collections team to update them on best practices, regulatory changes, and customer handling techniques.
- Collaborate with technology teams to leverage collection management systems and data analytics tools for improved efficiency and decision-making.
- Prepare and present detailed collection performance reports and forecasts to senior management for strategic planning.
- Drive process improvements and automation initiatives to streamline collection workflows and reduce operational costs.

Skill:-

- Portfolio Management
- Debt Recovery Strategies
- Team Leadership and Development
- Regulatory Compliance in Financial Collections
- Data Analysis and Reporting
- Customer Relationship Management
- Legal and Risk Coordination
- Collection Management Systems
- Process Improvement and Automation
- Negotiation and Conflict Resolution

Preferred Qualifications:-

- Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
- Minimum 7-10 years of experience in collections management within the financial services industry, with at least 3 years in a leadership role handling secured loan portfolios such as LAP or Home Loans.

Key Performance Indicators: #Key Performance Indicators#

Required Competencies: #Required Competencies#

Required Knowledge: #Required Knowledge#

Required Skills: #Required Skills#

Required abilities

- Physical: #Physical#
- Other: #Other#

Work Environment Details: #Work Environment Details#

Specific requirements

- Travel: #Travel#
- Vehicle: #Vehicle#
- Work Permit: #Work Permit#

Other details

- Pay Rate: #Pay Rate#
- Contract Types: #Contract Types#
- Time Constraints: #Time Constraints#
- Compliance Related: #Compliance Related#
- Union Affiliation: #Union Affiliation#

📌 Cluster Collection Manager LAP-HL Flow (Noida)
🏢 AU Small Finance Bank
📍 Noida