Collection Manager- North- Business- Lending Collections

Paytm; Aligarh; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Paytm is seeking a Collection Manager to oversee collection operations in the assigned territory and lead a team of collection executives. The role focuses on driving targets, field execution, and robust portfolio management within regulatory guidelines.

The ideal candidate will have 4+ years in collections, strong leadership, and excellent communication skills, with proficiency in Excel and MIS reporting to monitor performance and optimize recovery outcomes.

Qualifications

• Graduate in any discipline with 4+ years in collections.
• Experience leading field collection teams and agencies.
• Strong target orientation and stakeholder management.
• Excellent communication and negotiation skills.
• Proficiency in MS Excel and collection MIS.

Responsibilities

• Drive and achieve collection targets for the territory.
• Lead and motivate field collection team to meet business targets.
• Monitor productivity, attendance, and daily collection activities.
• Develop strategies to improve recovery rates and reduce delinquency.
• Review MIS and take corrective actions to improve performance.
• Manage agencies and ensure adherence to processes.
• Handle escalations and regulatory/compliance requirements.
• Coach and build capability within the team.
• Collaborate with business, credit, risk, and operations.
• Conduct regular field visits to monitor activities.

Skills

Collections & recovery

Team leadership

Stakeholder management

Negotiation

MS Excel

Reporting systems

Education

Graduate degree

Tools

MS Excel

Collection MIS

Job description

About the Team:

The Collections team is responsible for managing overdue accounts, driving recovery performance, monitoring collection teams and agencies, and ensuring adherence to applicable regulatory guidelines and internal policies.

About the Role:

The Collection Manager will be responsible for managing collection operations across the assigned territory, leading a team of collection executives, driving collection targets, and ensuring effective portfolio management. The role requires strong team leadership, field execution, performance monitoring, and stakeholder management skills.

Key Responsibilities:

• Drive and achieve collection targets for the assigned territory and portfolio.
• Lead, manage, and motivate a team of collection executives and field officers to achieve business targets.
• Monitor team productivity, performance, attendance, and daily collection activities.
• Develop and implement effective collection strategies to improve recovery rates and control delinquency.
• Review daily and monthly collection MIS and take corrective actions to improve team performance.
• Monitor collection agencies and ensure adherence to defined processes and performance benchmarks.
• Manage escalations related to overdue accounts, customer concerns, and field collection activities.
• Ensure adherence to applicable regulatory guidelines, internal policies, and the Code of Conduct.
• Identify operational gaps, fraudulent practices, and risks within the collection process and take appropriate corrective action.
• Conduct regular field visits to monitor collection activities and team performance.
• Work closely with business, credit, risk, operations, and other stakeholders to resolve collection-related issues.
• Drive capability building, coaching, and continuous improvement within the collection team.

Skills and Competencies:

• Strong experience in collections and recovery management.
• Proven experience in team handling and managing field collection teams.
• Strong target orientation with the ability to drive team performance.
• Good communication, negotiation, and stakeholder management skills.
• Strong analytical and problem‑solving abilities.
• Good understanding of collection processes, delinquency management, and agency management.
• Ability to manage escalations and work effectively in a high-performance environment.
• Proficiency in MS Excel, collection MIS, and reporting systems.

Education and Experience:

• Education: Graduate in any discipline.
• Experience: 4+ years of relevant experience in collections and recovery management.
• Prior experience in team handling, preferably in banking, NBFC, fintech, or financial services, will be preferred.
• Candidates with experience managing field collection teams and collection agencies will be an added advantage.

Compensation:

Compensation will be commensurate with the candidate’s experience, expertise, and suitability for the role.