Regional Collection Manager

Easy Home Finance (EHFL); Bengaluru; Vor Ort; INR 1.800.000 - 2.800.000; Vollzeit

Zusammenfassung

Easy Home Finance (EHFL) is seeking a seasoned Collections Leader to oversee portfolio performance, drive a regional collection team, and manage third‑party agencies. The role requires coordinating with legal for recovery actions and ensuring compliance with RBI/NHB guidelines.

The ideal candidate has extensive experience in retail lending collections, a strong track record across multiple locations, and willingness to travel extensively within the region.

Qualifikationen

• Graduate or postgraduate in Finance, Business Administration, or related field.
• 6–10 years of experience in retail lending collections.
• Experience in affordable housing, LAP, or mortgage segment.
• Proven track record in managing collections across multiple locations.

Aufgaben

• Portfolio Management: monitor collections performance by bucket and ensure targets are met.
• Team Management: recruit, train, and lead Area Collection Managers, Officers, and agencies; coach performance.
• Agency & Vendor Management: appoint and manage third-party agencies; ensure compliance and SLAs.
• Legal & Recovery: coordinate with legal for SARFAESI, notices, recovery strategies.
• MIS & Reporting: track KPIs and data entry accuracy for senior management.
• Compliance & Customer Interaction: ensure RBI/NHB guidelines compliance and handle escalations empathetically.

Kenntnisse

Housing finance operations

Leadership

Analytical thinking

Legal recovery tools

Travel readiness

Ausbildung

Finance / Business Administration degree

Jobbeschreibung

Role & responsibilities

1. Portfolio Management

• Monitor and manage the collections performance (bucket-wise: X-bucket, 1-30, 31-60, 61-90, 90+ DPD).
• Track and reduce delinquency levels and non-performing assets (NPAs).
• Ensure region meets monthly, quarterly, and yearly collection targets.

2. Team Management

• Recruit, train, and lead a team of Area Collection Managers, Collection Officers, and third-party agencies.
• Provide regular coaching and performance reviews to team members.
• Drive productivity and morale across the regional collection team.

3. Agency & Vendor Management

• Appoint and manage third-party collection and recovery agencies.
• Ensure adherence to code of conduct, compliance norms, and SLA.
• Regularly evaluate agency performance and take corrective actions where required.

4. Legal & Recovery

• Coordinate with legal teams for issuance and execution of SARFAESI, legal notices, and other recovery measures.
• Drive recovery from written-off or hard bucket accounts through legal, repossession, and settlement strategies.

5. MIS & Reporting

• Maintain and report key performance indicators (KPI) to senior management.
• Analyze collection trends and suggest corrective action plans.
• Ensure accurate and timely data entry in collection systems.

6. Compliance & Customer Interaction

• Ensure all collection activities comply with RBI, NHB, and other regulatory guidelines.
• Address escalated customer issues with empathy and tact, while protecting company interests.

Qualifications & Experience

• Graduate/Postgraduate in Finance, Business Administration, or related field.
• 6 to 10 years of experience in retail lending collections, preferably in affordable housing, LAP, or mortgage segment.
• Proven track record in managing collections across multiple locations.

Skills & Competencies

• Strong knowledge of housing finance operations and recovery processes.
• Leadership and people management skills.
• Analytical thinking and data-driven decision-making.
• Familiarity with legal recovery tools like SARFAESI, arbitration, etc.
• Willingness to travel extensively within the region.