Area Collection Manager - Three Wheeler Loans - Soft Bkt

SkillLabs; Dibrugarh; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

SkillLabs in India seeks an experienced Collections Leader to oversee a team of Collection Managers and DMAs, driving arrear resolution and bucket-wise performance for the assigned geographic area.

You will review monthly and quarterly results, coordinate with agencies, and implement payout grid processes. The role also focuses on field optimization, repo operations, and governance of collection strategies with HO/RO input.

Qualifications

• Minimum 5-8 Years of collection experience in automotive products.
• Experience in managing collection agencies.
• Excellent data management skills.
• Team handing experience.

Responsibilities

• Managing the collections through team of Collection Manager and DMAs.
• Responsible for the collection's performance on various collection parameters such as arrear resolution and bucket wise resolutions including roll forward rates, loan loss provisioning, and penal interest collection for the assigned geographical area.
• Monthly/Quarterly performance reviews of the team against allocated collection targets.
• Oversee agency performance, identify low performers, and empanel new agencies/DMAs for collection.
• Ensure periodic billing and payouts processing for agencies/DMAs as per payout grids.
• Evaluate field capacity and optimize based on Average Collection Ratio (ACR).
• Support day-to-day collection performance improvements driven by HO/RO strategies.
• Monitor repo stock, ensure compliance with repo processes, and coordinate liquidation with brokers and HO.
• Maintain receipt books/HHTs, app codes requests, and ensure deposition of collections by agencies.
• Recommend initiation of legal actions in chronic defaults with local legal team.
• Maintain daily productivity MIS and share with higher management.
• Conduct monthly hub meetings for performance review and target setting.
• Manage customer service escalations related to collections and provide geo-limit inputs.
• Escalate sales-related issues (registration, dealer service) for delinquent cases with ASMs.

Skills

Collection management

Team leadership

Agency management

Data management

Job description

Job Responsibilites

• Managing the collections through team of Collection Manager and DMAs


• Responsible for the collection's performance on various collection parameters such a)Arrear resolution b) Bucket wise resolutions (Including the Roll forward rates, Loan loss provisioning, and Penal interest collection for the assigned geographical area.)


• Performance review on field monthly basis and Quarterly performance review of the team of allocated collection targets


• Monthly review (Agency performance, acting against the low performer team members, DMAs (off rolls) & agencies, identifying & suggesting new agencies / DMAs for collection & evaluation & empanelment of these new agencies.


• Ensuring periodic billing & processing of the payouts for the agencies / DMAs as per the approved payout grids.


• Periodic evaluation / correction of the field capacity as per the Average Collection Ratio (ACR)


• Ensuring smooth execution of the various strategies/drives planned by HO/RO for day-to-day collection performance improvement.


• Repo kit requirement, monitoring the repo Stock inventory, compliance to the adhered processes related to repo


• Liquidation of eligible repo assets in coordination with brokers and HO team and collect payment for approved for sale cases


• Periodic requirement of the receipt books / HHTs, mobile app codes requests for the agencies, monitoring the deposition of collection amount by the agencies, action against agencies for non-adherence.


• Recommending for initiation of appropriate legal actions in chronic default cases with co-ordination with the local legal team members


• Daily productivity MIS should be maintained & shared with the higher management along with the analysis


• Monthly team meeting at hub location for performance review & setting the targets for the next month


• Managing the customer service escalations for collection related issues and Providing inputs on the geo limits, negative areas in the geographies handled


• Escalation of sales related issues (registration, dealer service issues, etc.) for the delinquent cases with the ASMs on a day-to-day basis

Required Skills And Experience

• Minimum 5-8 Years of collection experience in any automotive products like LMV,TW,3w,LCV,MCV,HCV


• Experience in managing collection agencies


• Excellent data management skills


• Team handing experience