Collections Manager - Digital

Creditsaison; Ernakulam; On-site; INR 1,200,000 - 2,100,000; Full time

Job summary

A financial services company located in Kerala is seeking an experienced Collections Manager to oversee the collections team and manage portfolios. The ideal candidate should have 5-7 years of experience in collections, strong communication skills, and a digital orientation. Responsibilities include implementing collections strategies, training teams, and achieving monthly targets. This role requires adherence to legal guidelines and effective collaboration with other departments.

Qualifications

• 5-7 years of experience in Collections required.
• Experience in handling unsecured products is an advantage.

Responsibilities

• Manage the assigned portfolio and collections team.
• Implement Collections Strategies.
• Recruit and train teams.
• Empanel Collection agencies for coverage.
• Conduct field collection visits.
• Achieve monthly and bucket wise resolution targets.
• Manage NPA and Cost of Collections.
• Collaborate with Legal/Central collections teams.
• Present performance to Senior Management.
• Adhere to Collection Process and Legal guidelines.
• Ensure Collection Process and Legal guidelines are adhered to and Collections Code of Conduct is followed.

Skills

Collections experience

Good communication skills

Digital orientation

Handling unsecured products

Job description

Company: Credit Saison India

About Credit Saison India:

Credit Saison India (registered as Kisetsu Saison Finance (India) Private Limited) is an NBFC registered with the Reserve Bank of India (RBI). CS India is part of Saison International, the global business arm of Credit Saison with a focus on wholesale and direct lending as well as integrated tech partnerships with leading NBFCs and fintechs. In 2024, CS India received a US$145M strategic investment from Mizuho, its first capital injection from an external investor.

Currently, Credit Saison India has a branch network of over 40 physical offices across India, 1.2 million active loans, an AUM of over US$1.2B, and an employee base of over 800 people. Credit Saison India has achieved an AAA rating from CRISIL (a subsidiary of S&P Global) & CARE Ratings. The AAA rating reflects Credit Saison India’s operating track record and the support of its parent, Credit Saison.

More information about the company can be found at www.creditsaison.in.

Roles & Responsibilities

• Candidates should have 5-7 years of experience in Collections with good communication skills and digital orientation.
• Experience of handling unsecured products (Digital PL) will be an added advantage.

Expectations and Responsibilities

• Managing the assigned portfolio by driving the collections team.
• Ensure implementation of Collections Strategies.
• Recruiting and Training In house as well as outbound teams.
• Identification and empanelment of Collection agencies to ensure proper collections coverage.
• Ensure field collection visits to customers for achieving resolution of allocated accounts.
• Responsible for achieving monthly targets and bucket wise resolution targets for the assigned region.
• Managing NPA and Cost of Collections for the Region.
• Ensure maximum recoveries by collaborating with other teams including Legal/Central collections.
• Achieve target collections of Charges and Late payment penalties.
• To regularly present the performance of the assigned Region to Senior Management.
• Ensure Collection Process and Legal guidelines are adhered to and Collections Code of Conduct is followed.