COLLECTION MANAGER - SCF

PeopleStrong; Lucknow; On-site; INR 900,000 - 1,500,000; Full time

Job summary

PeopleStrong is seeking a seasoned Collection Manager for early-stage delinquency management (0–30 days DPD) in its SCF/MSME portfolio. The role blends on-ground field collections with prudent administrative oversight to maintain portfolio health.

You will lead direct follow-ups, perform mandatory field visits for high-value cases, and bridge collections with Sales to re-utilize credit limits, while coordinating with Legal for escalations as needed.

Qualifications

• Experience in Collections, preferably SCF or MSME lending.
• Strong negotiation and relationship management abilities.
• Ability to analyze business health during field visits.

Responsibilities

• Lead strategic field collections for 0–30 days DPD.
• Coordinate with Sales to revival of credit limits after collection.
• Oversee legal escalations, including LRNs and NACH/Cheque processes.

Skills

Negotiation

Relationship management

Field visit analysis

Education

Graduate or Post-Graduate in Finance/Commerce

Job description

Job Description: Collection Manager (Early Bucket – SCF/MSME)

We are looking for a seasoned Collection Manager with a strategic mindset to oversee our early-stage delinquency portfolio (0–30 days DPD). This role requires a professional who can blend on-ground grit with administrative precision to maintain the health of our Supply Chain Finance (SCF) and MSME portfolios.

As a manager, you will be responsible not only for debt recovery but also for identifying business risks and ensuring the seamless re-utilization of credit limits.

Key Responsibilities

1. Strategic Field Collections (0–30 Days DPD)

• Lead and execute direct follow-ups for accounts in the early delinquency stage.
• Perform mandatory direct visits to customer premises for high-value or sensitive DPD cases to ensure immediate payment collection.
• Act as the bridge between Collections and Sales: Once payments are collected, proactively coordinate with the Sales Team to encourage the borrower to utilize their credit limits again, ensuring no loss in business momentum.

3. Legal Escalation & Compliance

• For borrowers failing to settle dues within the 30-day window:
  • Partner with the Legal Team to initiate Loan Recall Notices (LRN).
  • Oversee NACH/Cheque presentations and ensure all legal formalities are strictly adhered to.
  • Maintain a tracking mechanism for all legal notices issued.

4. Business Continuity Audits

• For repeat defaulters, conduct deep-dive on-site inspections of the borrower’s business operations.
• Assess and report on whether the business is functional, identifying any operational risks that might lead to future defaults.

Candidate Profile

• Experience: 3–5 years of core experience in Collections, specifically within SCF (Supply Chain Finance) or MSME lending.
• Education: Graduate/Post-Graduate in Finance, Commerce, or a related field.
• Technical Knowledge: Deep understanding of the MSME ecosystem, cash flow-based lending, and legal frameworks (Sec 138/Sec 25).
• Skills: High-level negotiation, relationship management, and the ability to analyze business health during field visits.
• Travel: High mobility is required; the candidate must be comfortable with frequent field travel.

Performance Indicators

• Roll-Back Rate: Effectiveness in preventing 0-30 DPD accounts from moving into older buckets.
• Limit Re-utilization: Success in getting customers back into the active "Sales" cycle post-payment.
• Audit Accuracy: Precision in reporting business status for repeat offenders.