National Collections Manager Allnet Business Solutions

The Corporate Institute; Chennai District; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

The Corporate Institute is actively seeking a National Collections Manager to design and lead our pan‑India collection strategy. You will steer credit recovery for microfinance, affordable housing loans and small-ticket secured loans, aiming to minimize NPAs and improve recovery rates while ensuring strict compliance.

You will oversee field operations, manage third-party agencies, and travel across rural and semi‑urban markets to optimize outcomes in a compliant, ethical framework.

Qualifications

• Bachelor’s degree in Business Administration, Finance, Economics or related field.
• MBA or Master’s degree preferred.
• 15+ years of collections experience in Banking/NBFC.
• 5+ years in national or large regional leadership roles.
• Proven track record with high-volume, low-ticket portfolios.

Responsibilities

• Strategy Formulation: Define and execute data-driven, end-to-end collection strategies for early-stage delinquency to write-offs.
• Portfolio Diagnostics: Analyze delinquency trends, vintage curves, and roll-forward rates to identify credit risks and implement corrective measures.
• Operational Optimization: Segment portfolios based on risk profiles to allocate collection resources efficiently.
• Vendor & Agency Governance: Onboard, evaluate, and manage third-party collection and repossession agencies, ensuring adherence to SLAs and pricing models.
• Field Presence: Travel extensively across rural and semi-urban markets to audit field operations and resolve high-ticket defaults.
• Regulatory Compliance: Ensure 100% adherence to central banking guidelines, fair practices codes, and customer data privacy laws.
• Legal Action: Oversee legal recovery frameworks including arbitration, SARFAESI acts, or local notices where applicable.

Skills

Negotiation

Conflict resolution

Crisis management

Multilingual communication

Leadership

Education

Bachelor's degree in Business Administration, Finance, Economics

MBA or Master’s degree preferred

Job description

Job Purpose

One of our clients is seeking a high-caliber National Collections Manager to design, implement, and lead our pan-India collection strategy. In this critical leadership role, you will oversee credit recovery for our specialized portfolio, focusing on microfinance (MFI), affordable housing loans, and small-ticket secured loans. You will be directly responsible for minimizing Non-Performing Assets (NPAs), optimizing recovery rates, and managing a scaled, distributed field and maintaining strict compliance with regulatory frameworks.

Key Responsibilities

• Strategy Formulation: Define and execute data-driven, end-to-end collection and recovery strategies for early-stage delinquency (bounce management) to write-offs.
• Portfolio Diagnostics: Analyze delinquency trends, vintage curves, and roll-forward rates to proactively identify credit risks and implement corrective measures.
• Operational Optimization: Segment portfolios based on risk profiles to allocate collection resources (tele-calling vs. field visits) efficiently.
• Vendor & Agency Governance: Onboard, evaluate, and manage third-party collection and repossession agencies, ensuring adherence to strict SLAs and pricing models.
• Field Presence: Travel extensively across rural and semi-urban markets to audit field operations, understand localized collection challenges, and resolve high-ticket or complex defaults.
• Regulatory Compliance: Ensure 100% adherence to central banking guidelines, fair practices codes, and customer data privacy laws. Zero tolerance for coercive collection practices.
• Legal Action: Oversee legal recovery frameworks, including arbitration, Section 138 (Cheque Bounce), SARFAESI acts, or local legal notices where applicable.

Required Qualifications & Experience

• Education: Bachelor’s degree in Business Administration, Finance, Economics, or a related field (MBA or Master’s degree preferred).
• Experience: A minimum of 15+ years of core collections experience in Banking or NBFC sectors, with at least 5 years in a national or large regional leadership role.
• Domain Expertise: Proven track record in handling high-volume, low-ticket portfolios like Microfinance, Affordable Housing Loans, and Small Ticket Loans.
• Geographic Knowledge: Deep understanding of the rural and semi-urban lending landscape, local demographics, and regional cultural nuances affecting collections.
• Exceptional negotiation, conflict-resolution, and crisis-management capabilities.
• Excellent vernacular communication skills (multilingual capabilities are a significant advantage).
• Uncompromising ethical standards and commitment to customer-centric collection practices.