Cluster Collection Manager LAP-HL Flow

Au Small Finance Bank Ltd.

Sector 10

Presencial

INR 1.500.000 - 2.100.000

Jornada completa

Hace 2 días

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Descripción de la vacante

AU Small Finance Bank Limited seeks an experienced collections leader to oversee LAP-HL collections at cluster level. You will drive recovery strategies, supervise collection officers and field agents, and ensure compliant, customer-friendly recovery actions while managing NPAs with credit, legal and risk teams.

The ideal candidate has 7–10 years in financial services collections, with at least 3 years in leadership of LAP/Home Loan portfolios, and strong data analytics capabilities to inform

Formación

Bachelor’s degree in Finance, Business Administration, or a related field is preferred.
MBA or equivalent postgraduate qualification is preferred.
7-10 years of collections management experience in financial services; 3+ years in leadership handling LAP/Home Loans.

Responsabilidades

Develop and implement effective collection strategies for the LAP-HL portfolio across the assigned cluster to maximize recovery and minimize delinquency.
Lead, mentor, and manage a team of collection officers and field agents to ensure adherence to collection targets and guidelines.
Monitor daily collection activities, analyze data, and generate reports to track performance and identify improvement areas.
Coordinate with credit, legal, and risk departments to manage NPAs and initiate recovery actions including legal proceedings when necessary.
Ensure compliance with regulatory guidelines, internal policies, and ethical standards in all collection activities.
Build and maintain strong relationships with customers to facilitate amicable resolution of overdue accounts and retention.
Conduct regular training sessions for the collections team on best practices and regulatory changes.
Collaborate with technology teams to leverage collection systems and data analytics for efficiency.
Prepare and present detailed collection reports and forecasts to senior management.
Drive process improvements and automation to streamline workflows and reduce costs.

Conocimientos

Portfolio Management

Debt Recovery Strategies

Team Leadership and Development

Regulatory Compliance in Financial 5|6

Data Analysis and Reporting

Customer Relationship Management

Legal and Risk Coordination

Collection Management Systems

Process Improvement and Automation

Negotiation and Conflict Resolution

Educación

Bachelor’s degree in Finance, Business Administration, or a related field

MBA or equivalent postgraduate qualification

Descripción del empleo

Full Time

Job Description

Group Company: AU Small Finance Bank Limited

Office Location:

Primary Responsibilities

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Additional Responsibilities

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Reporting Team

Reporting Designation: #*Reporting Designation*#
Reporting Department: #*Reporting Department*#

#*Education and Experience*#

Category: #*Category*#
Field specialization: #*Field specialization*#
Degree: #*Degree*#
Academic score: #*Academic score*#

Required Certification/s: #*Required Certification/s*#

Required Training/s: #*Required Training/s*#

Required work experience

Role: #*Role*#
Years of experience: #*Years of experience*#

Job Brief

- We are seeking an experienced and strategic leader to oversee and manage the collections operations within the LAP-HL (Loan Against Property - Home Loan) segment at AU Small Finance Bank Limited. This role demands a dynamic professional who can drive the cluster-level collection strategies, ensure timely recovery of dues, and maintain high standards of compliance and customer service. The ideal candidate will have a deep understanding of financial services collections, strong analytical skills, and the ability to lead and motivate a team to achieve ambitious recovery targets while minimizing risk and maintaining customer relationships.

Responsibilities

Develop and implement effective collection strategies for the LAP-HL portfolio across the assigned cluster to maximize recovery and minimize delinquency.
Lead, mentor, and manage a team of collection officers and field agents to ensure adherence to collection targets and operational guidelines.
Monitor daily collection activities, analyze collection data, and generate reports to track performance against targets and identify areas for improvement.
Coordinate with credit, legal, and risk departments to manage non-performing assets and initiate recovery actions including legal proceedings when necessary.
Ensure compliance with regulatory guidelines, internal policies, and ethical standards in all collection activities.
Build and maintain strong relationships with customers to facilitate amicable resolution of overdue accounts and enhance customer retention.
Conduct regular training sessions for the collections team to update them on best practices, regulatory changes, and customer handling techniques.
Collaborate with technology teams to leverage collection management systems and data analytics tools for improved efficiency and decision-making.
Prepare and present detailed collection performance reports and forecasts to senior management for strategic planning.
Drive process improvements and automation initiatives to streamline collection workflows and reduce operational costs.

Skill

Portfolio Management
Debt Recovery Strategies
Team Leadership and Development
Regulatory Compliance in Financial Collections
Data Analysis and Reporting
Customer Relationship Management
Legal and Risk Coordination
Collection Management Systems
Process Improvement and Automation
Negotiation and Conflict Resolution

Preferred Qualifications

Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
Minimum 7-10 years of experience in collections management within the financial services industry, with at least 3 years in a leadership role handling secured loan portfolios such as LAP or Home Loans.

Key Performance Indicators: #*Key Performance Indicators*#

Required Knowledge: #*Required Knowledge*#

Required Skills: #*Required Skills*#

Required abilities