National Collection Head - Supply Chain Finance

Muthoot Fincorp Limited; Chennai District; On-site; INR 3,500,000 - 5,500,000; Full time

Job summary

Muthoot Fincorp Limited seeks a National Collection Head for Supply Chain Finance to design and implement nationwide collection and recovery strategies. You will steer vendor/dealer repayments, monitor portfolio health, and coordinate with risk, agencies, and legal teams across India.

The role requires 15–18 years in NBFC/banking, with at least 8 years in SCF or corporate collections, and a proven track record of managing large, remote teams.

Qualifications

• Analytical skills to interpret complex delinquency data and trends.
• Negotiation abilities for high-ticket settlements with corporate anchors.
• Strong knowledge of RBI recovery guidelines, IBC, and securitization processes.

Responsibilities

• Design and implement end-to-end collection and recovery strategies for SCF portfolios.
• Monitor delinquencies (30/60/90+ DPD) and drive corrective actions to prevent NPA.
• Onboard and manage agencies ensuring adherence to Fair Practices Code.
• Drive digital collections through reminders, eMandates, and payment links to boost self-cure rates.
• Continuously refine EWS framework by integrating data and market signals.

Skills

Analytical rigor

Negotiation

Regulatory knowledge

Leadership

Education

Post-Graduate/MBA in Finance

Job description

NATIONAL COLLECTION MANAGER - SCF ROLE SPECIFICATION

Role Title: National Collection Head - Supply Chain Finance (SCF)

Employee Interviewed: Reports To Business Head - SCF

Company: Muthoot Fincorp Limited

Function/Department: Collections & Recovery

Location: Chennai

Written By: Sachin Purwar

Approved By (Functional): Business Head - SCF

Approved By (People & Culture):

Date (Written On): 09/04/2026

ROLE SUMMARY

The National Collection Head SCF is responsible for designing, implementing, and monitoring the end-to-end collection and recovery strategy for the Supply Chain Finance portfolio. This role focuses on maintaining healthy portfolio quality (low GNPA/NNPA) by managing vendor/dealer repayments, early warning signals, and legal recovery processes across the pan-India network.

KEY RESPONSIBILITIES

• Operations & Transactional Strategy Formulation: Develop and execute segment-specific collection strategies for Dealer Financing, Vendor Discounting, and Factoring products.
• Portfolio Monitoring: Reviewing Delinquency trends (30, 60, 90+ DPD) and implementing corrective actions to prevent slippages into NPA.
• Agency Management: Onboarding and managing specialized collection agencies and ensuring adherence to the Fair Practices Code (FPC).
• Digital Collections: Implementing automated payment reminders, NACH/e-Mandate tracking, and digital payment links to improve self-cure rates.
• Process Improvement EWS Framework: Enhancing Early Warning Signals (EWS) by integrating transaction data and market intelligence to identify \"at-risk\" anchors or dealers.
• Policy Refinement: Periodically updating the collection policy based on market volatility and regulatory changes (RBI guidelines).
• Efficiency: Automating the allocation of delinquent cases to field staff/agencies through a robust Loan Management System (LMS).

KEY INTERACTIONS

• Internal Stakeholders: Risk & Credit: For feedback on sourcing quality and EWS. Collection Agencies: For field-level execution. Sales/Business Team: To coordinate with Anchors/Corporates. Legal Counsel: For SARFAESI, Sec 138, and arbitration. IT & Operations: For LMS updates and payment reconciliation. RBI/Auditors: For compliance and portfolio audits.
• External Stakeholders: (none specified)

KEY ROLE DIMENSIONS

• Geographical Coverage: Pan India (SULB - Small Unit Loan Business)
• Direct Reportees: 4 - 6 (Zonal/Regional Managers)
• Total Team Size: (not specified)

KEY SKILLS & BEHAVIOURAL ATTRIBUTES

• Analytical Rigor: Proficiency in interpreting complex delinquency data and flow rates.
• Negotiation Skills: Ability to handle high-ticket settlements and distressed corporate anchors.
• Regulatory Knowledge: Deep understanding of RBI guidelines on recovery, IBC, and Securitization.
• Leadership: Experience in managing large, remote teams across diverse geographies.

EDUCATION / EXPERIENCE

• Education: Post-Graduate/MBA in Finance or related field.
• Experience: Minimum 15-18 years in NBFC/Banking, with at least 8 years specifically in Supply Chain Finance or Corporate Collections.
• Exposure: Strong track record in managing \"Bucket 0\" to \"Write-off\" portfolios in a high-volume environment.

EMPLOYMENT TERMS

Salary details will be shared during the hiring process.

The employer has not disclosed the salary for this role, but it is a Full Time opportunity with 1 opening available.