Company Description Cholamandalam Investment and Finance Company Limited (Chola), part of the Murugappa Group and founded in 1978, has grown from an equipment financing company into a leading diversified financial services provider. The company offers a broad range of products, including vehicle finance, home loans, SME loans, home equity loans, loans against property, and consumer durable loans. With over 1,500 branches across India, Assets Under Management exceeding Rs. 1.77 lakh crore, and more than 4.29 million customers, Chola has a strong nationwide presence. Its subsidiaries—Cholamandalam Securities Limited, Cholamandalam Home Finance Limited, and Payswiff Technologies Private Limited—extend its reach across capital markets, housing finance, and digital payments. Chola is guided by integrity, ethical values, and a focus on sustainable growth for customers, employees, shareholders, and communities. Role Description The Area Collection Manager is a full-time, in office role based in Panaji, responsible for overseeing and optimizing collections for a defined geographic area. This role includes managing a team of collection executives, setting daily and weekly collection targets, and monitoring performance against agreed metrics. The Area Collection Manager will review delinquency trends, plan field visits, coordinate with branch staff, and ensure timely follow-up with customers to reduce non-performing assets while maintaining professional and compliant practices. The role also involves implementing collection strategies,



resolving escalated customer issues, ensuring adherence to regulatory and internal compliance guidelines, and preparing regular reports for management. Collaboration with credit, operations, and sales teams to improve portfolio quality and enhance customer experience is a key part of the day-to-day responsibilities. Qualifications
• Proven experience in collections, credit control, or portfolio management within banking or financial services, preferably in retail or vehicle finance.
• Strong leadership and team management abilities, including coaching, performance monitoring, and field team coordination.
• Solid analytical and numerical skills for tracking collection metrics, interpreting delinquency data, and preparing MIS reports.
• Effective communication and negotiation skills for interacting with customers, resolving disputes, and handling escalations professionally.
• Sound understanding of collection processes, regulatory requirements, and compliance standards in the financial services sector.
• Comfort with on-site field work, local market knowledge of Panaji and surrounding areas, and willingness to travel within the assigned territory as needed.
• Proficiency in basic computer applications (e.g., MS Excel, MS Word) and familiarity with collection or CRM systems.
• Bachelor’s degree in finance, commerce, business administration, or a related field; an advanced degree or relevant professional certification is an advantage.

📌 Area Collection Manager (Panaji)
🏢 Cholamandalam Investment and Finance Company
📍 Panaji