Area Collection Manager

Skillventory; Bengaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Skillventory in Bengaluru, Karnataka is seeking a seasoned collections leader to manage Home Loan and LAP recoveries. You will drive performance across delinquency buckets, lead in-house and vendor teams, and coordinate with Legal, Credit and Risk to resolve high-value cases.

The role emphasizes adherence to RBI/NHB guidelines, fair practices, and process-driven improvement of recovery outcomes. Strong negotiation and field-visit capability are essential.

Qualifications

• Experience in managing home loan and LAP collections.
• Ability to lead cross-functional teams and external agencies.
• Strong negotiation and persuasion skills.
• Familiarity with RBI/NHB guidelines and fair practices.
• Knowledge of recovery processes including SARFAESI and repossession.

Responsibilities

• Manage collections and recovery operations across the assigned area for Home Loan & LAP portfolios.
• Drive collection efficiency across all delinquency buckets, with focus on overdue, NPA and high-risk accounts.
• Achieve monthly collection, recovery and resolution targets while controlling roll-forward and credit losses.
• Lead and manage in-house collection teams and external agencies/vendors.
• Monitor bucket-wise performance, ageing, flow rates and portfolio health; implement corrective action plans.
• Conduct regular field visits and team reviews to improve productivity and recovery performance.
• Handle delinquent customers through effective negotiation, persuasion and resolution strategies.
• Coordinate with Legal, Credit, Risk and Business teams for difficult and high-value cases.
• Manage legal recovery processes including SARFAESI, possession, settlement and repossession, wherever applicable.
• Ensure adherence to RBI/NHB guidelines, company policies and fair collection practices.
• Prepare and review MIS, collection reports, agency performance and recovery dashboards.

Skills

Collections management

Team leadership

Negotiation

Stakeholder coordination

Legal/recovery process knowledge

Job description

Role & responsibilities

• Manage collections and recovery operations across the assigned area for Home Loan & LAP portfolios.
• Drive collection efficiency across all delinquency buckets, with focus on overdue, NPA and high-risk accounts.
• Achieve monthly collection, recovery and resolution targets while controlling roll-forward and credit losses.
• Lead and manage in-house collection teams and external agencies/vendors.
• Monitor bucket-wise performance, ageing, flow rates and portfolio health; implement corrective action plans.
• Conduct regular field visits and team reviews to improve productivity and recovery performance.
• Handle delinquent customers through effective negotiation, persuasion and resolution strategies.
• Coordinate with Legal, Credit, Risk and Business teams for difficult and high-value cases.
• Manage legal recovery processes including SARFAESI, possession, settlement and repossession, wherever applicable.
• Ensure adherence to RBI/NHB guidelines, company policies and fair collection practices.
• Prepare and review MIS, collection reports, agency performance and recovery dashboards.