ACM-Collections Retail Front End - Hyd

Job description

**Job Description** **Position:** Area Collection Manager – Retail Collections **Location:** Hyderabad **Reporting To:** Zonal / Regional Collection Head **Role Overview** The Area Collection Manager is responsible for managing **front?end retail collections** across the assigned geography. The role involves leading a team of **Collection Managers and external collection agencies** , ensuring timely recoveries, compliance with regulatory norms, and high-quality customer engagement while maintaining portfolio health. **Key Responsibilities** - Manage and oversee front-end retail collections (Buckets 0–90 / Early to Mid DPD, as applicable) across the assigned area - Lead, mentor, and monitor a team of Collection Managers, field officers, and channel partners - Manage and control collection agencies, including onboarding, performance review, allocation, and incentive management - Achieve monthly collection efficiency, resolution, and roll-back targets - Track delinquency levels, bucket movement, and aging trends; initiate corrective action plans - Ensure compliance with RBI guidelines, company policies, and ethical collection practices - Conduct regular field visits and joint calls to support teams and agencies - Review daily MIS, dashboards, and performance reports; share insights and action plans - Handle escalations, customer complaints, and sensitive recovery cases professionally - Coordinate with Sales, Credit, and Operations teams to improve portfolio quality and prevent future delinquencies - Drive training and capability building for internal teams and agency staff - Ensure accurate documentation and system updates for all collection activities **Key Skills & Competencies** - Strong understanding of retail loan products (Personal Loans, LAP, Home Loans, Auto Loans, etc.) - Hands-on experience in front-end collections operations - Team leadership and agency management skills - Ability to work with data, MIS, and performance metrics - Strong negotiation, customer handling, and conflict resolution skills - Sound knowledge of legal and regulatory frameworks related to collections - High integrity with a customer-centric yet firm approach **Experience & Qualification** - 8–15 years of experience in retail collections within Banking / NBFCs - Minimum 3–5 years in a people and agency management role - Graduate / MBA preferred - Prior experience handling Hyderabad / Telangana market is an added advantage