RCM - Retail Secured Flows_ Hyderabad

Job description

****Job Description: Regional Collections Manager – Telangana**** **Location:** Hyderabad **Department:** Collections **Position:** Regional Collections Manager (RCM) **Reports To:** Zonal / National Collections Head ****Role Overview**** The Regional Collections Manager will be responsible for leading and driving collection strategies across the state of **Telangana** . The role involves managing a large and diverse team of **Collection Managers (CMs)** and **Area Collection Managers (ACMs)** , along with end-to-end oversight of **collection agencies, vendor performance, and portfolio health** . The RCM will ensure strong process governance, improved recoveries, and adherence to organizational compliance standards while delivering on regional collection targets. ****Key Responsibilities**** ****1. Team Leadership & Performance Management**** - Lead, mentor, and manage a team of Collection Managers and Area Collection Managers across Telangana. - Conduct regular performance reviews, capability assessments, and provide necessary coaching to enhance team effectiveness. - Ensure alignment of team members to regional and organizational collection goals. - Drive productivity through planning, monitoring, and continuous improvement. ****2. Portfolio Management**** - Oversee Secured / Unsecured / SME / Consumer Finance portfolios as per business allocation. - Monitor bucket-wise delinquency, flow rates, and recovery trends across the region. - Implement action plans for high-risk buckets and ensure timely resolution of critical cases. - Analyze portfolio trends, highlight risks, and recommend corrective actions. ****3. Agency Management**** - Identify, onboard, and manage collection agencies, field executives, and vendors across Telangana. - Ensure agencies adhere to compliance, code of conduct, and operational guidelines. - Track agency performance through scorecards, KPIs, and regular performance reviews. - Resolve escalations, disputes, or operational bottlenecks impacting field execution. ****4. Compliance, Governance & Audit**** - Ensure 100% adherence to Regulatory guidelines, RBI directives, and company compliance protocols. - Implement audit recommendations and maintain strong control discipline across teams and agencies. - Conduct field audits, agency visits, and compliance trainings. ****5. Stakeholder Management**** - Collaborate with Branch Heads, Sales Leaders, Risk, Legal, and Operations for coordinated actions. - Provide portfolio insights, MIS updates, and regional performance reports to senior management. - Handle escalated customer cases with maturity and solution-driven communication. ****6. Strategy & Process Excellence**** - Develop regional collection strategies aligned to geography-specific behaviours and demographics. - Drive adoption of digital tools, automation, and tech-enabled collection solutions. - Lead regional initiatives to improve cost efficiency, recovery effectiveness, and customer experience. ****Qualifications & Experience**** - Graduate / Post-Graduate in any discipline (MBA preferred). - 8–12+ years of total experience in Collections, with minimum 3–5 years in a managerial or regional leadership role. - Strong exposure to managing multi-location teams and agencies. - Proven track record of achieving collection targets and improving portfolio health. ****Key Skills & Competencies**** - Strong leadership and people management skills - Excellent knowledge of Telangana geography and market dynamics - Analytical and data-driven decision-making - Negotiation and conflict management skills - Strong communication and stakeholder management - High level of discipline, integrity, and compliance orientation - Ability to work under pressure and handle large-scale operations