Collections & Recovery Management

- Ensure timely collection of EMI installments from Micro Finance borrowers.
- Monitor overdue accounts and take necessary actions to prevent loan slippages.
- Achieve collection efficiency and delinquency reduction targets.
- Conduct field visits for follow-up and recovery of overdue accounts.

Portfolio Quality Management
- Monitor PAR (Portfolio at Risk) and delinquency levels.
- Identify high-risk customers and implement corrective actions.
- Ensure reduction in bucket-wise overdue accounts.
- Maintain portfolio health as per company standards.

Customer Relationship Management
- Build and maintain robust relationships with borrowers and group members.
- Educate customers about repayment schedules and financial discipline.
- Resolve customer grievances related to loan repayments.
- Maintain customer retention through effective communication.

Field Operations
- Conduct daily field visits to villages, centers, and borrower locations.
- Organize center meetings and monitor attendance of borrowers.
- Verify customer repayment commitments and business performance.
- Ensure adherence to collection processes during field activities.

Compliance & Risk Control
- Follow company policies, collection practices, and regulatory guidelines.




- Ensure ethical collection practices and customer treatment.
- Identify fraud indicators and report suspicious activities.
- Maintain proper collection records and documentation.

Coordination & Reporting
- Work closely with Branch Managers, Credit Teams, and Operations Teams.
- Submit daily collection reports and recovery updates.
- Support legal and recovery teams in difficult collection cases.
- Participate in portfolio review meetings.

Key Skills Required
- Collection and recovery management
- Delinquency and portfolio monitoring
- Customer relationship management
- Negotiation and persuasion skills
- Field operations management
- Problem-solving and conflict resolution
- Basic financial and credit knowledge
- Reporting and documentation skills

Educational Qualification
- Graduate in any discipline (Commerce, Finance, Business Administration preferred).
- Higher qualifications may be an added advantage.

Experience
- 2–6 years of experience in Micro Finance Collections, Retail Collections, Banking, NBFC, or Financial Services.
- Experience in handling collection portfolios and field recovery activities preferred.

📌 Relationship Manager - MF Collections (Kolhapur)
🏢 equitas small finance bank
📍 Kolhapur