Portfolio Manager (Collections)

The Muthoot Group; Murshidabad; On-site; INR 600,000 - 900,000; Full time

Job summary

Muthoot Finance in Murshidabad is seeking a Portfolio Manager – Collections to manage and improve the collection performance of an assigned loan portfolio. The role involves monitoring delinquency, driving timely collections, and coordinating with Branch Managers and Area teams to achieve collection targets.

You will analyze portfolio trends, prioritize high-risk accounts, and ensure adherence to company policies and regulatory requirements while supporting recovery initiatives as per policy.

Qualifications

• Experience: 1–8 years in Collections, Retail Lending, NBFC, Banking, or Financial Services.
• Role involves monitoring delinquency and overdue accounts and improving collection performance.
• Requires coordinating with Branch Managers, Collection Officers, and regional teams.
• Ensure adherence to company policies and regulatory requirements.

Responsibilities

• Manage the assigned loan portfolio and monitor collection performance on a daily, weekly, and monthly basis.
• Track overdue, delinquent, and high-risk accounts and ensure timely resolution.
• Analyze portfolio trends, bucket movement, roll rates, collection efficiency, and ageing.
• Identify accounts with a high probability of delinquency and initiate appropriate corrective actions.
• Monitor portfolio quality and minimize fresh slippages and delinquency.
• Drive collection performance against assigned targets and business plans.
• Ensure timely follow-up and resolution of overdue accounts through calls, field visits, and other approved collection channels.
• Review and monitor collection cases across different delinquency buckets.
• Ensure effective follow-up on chronic overdue and high-value accounts.
• Coordinate with branch and field teams for resolution of difficult and sensitive cases.
• Support recovery initiatives, including repossession/auction processes where applicable and as per company policy.

Skills

Portfolio management

Collections

Credit & risk

Field collection

Stakeholder coordination

Job description

Job Description

This job is provided by apna.co Job Description

Portfolio Manager – Collections

• Company: Muthoot Finance
• Function: Collections / Credit & Risk
• Designation: Portfolio Manager – Collections
• Department: Collections
• Location: Murshidabad
• Reporting To: Regional / Area Collections Manager
• Experience: 1–8 years in Collections, Retail Lending, NBFC, Banking, or Financial Services

Role Purpose

The Portfolio Manager – Collections will be responsible for managing and improving the collection performance of an assigned loan portfolio. The role involves monitoring delinquency and overdue accounts, driving timely collections, managing field collection activities, controlling portfolio slippages, and ensuring adherence to company policies and regulatory requirements. The position will work closely with Branch Managers, Collection Officers, Area/Regional teams, and other stakeholders to achieve collection and portfolio-quality objectives.

Key Responsibilities

Portfolio Management

• Manage the assigned loan portfolio and monitor collection performance on a daily, weekly, and monthly basis.
• Track overdue, delinquent, and high-risk accounts and ensure timely resolution.
• Analyze portfolio trends, bucket movement, roll rates, collection efficiency, and ageing.
• Identify accounts with a high probability of delinquency and initiate appropriate corrective actions.
• Monitor portfolio quality and minimize fresh slippages and delinquency.

Collections & Recovery

• Drive collection performance against assigned targets and business plans.
• Ensure timely follow-up and resolution of overdue accounts through calls, field visits, and other approved collection channels.
• Review and monitor collection cases across different delinquency buckets.
• Ensure effective follow-up on chronic overdue and high-value accounts.
• Coordinate with branch and field teams for resolution of difficult and sensitive cases.
• Support recovery initiatives, including repossession/auction processes where applicable and as per company policy.