Regional Collections Manager

Paisalo Digital Limited; Lucknow; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Paisalo Digital Limited is seeking an experienced Collections & Recovery professional to lead external agencies, manage internal teams, and drive collection performance across channels in a dynamic environment.

The role requires strong leadership, agency management, and analytical skills to optimize recovery, reduce delinquencies, and achieve targets. Collaboration with Operations, Risk, and Finance is essential for success.

Qualifications

• Graduate/Postgraduate in a relevant field.
• Proven experience in collection agency handling and third-party vendor management.
• Strong experience in team handling and performance management.
• Experience managing multiple collection channels and portfolios.
• Strong understanding of collection processes, delinquency management, and recovery strategies.
• Good analytical and MIS skills.
• Strong communication, negotiation, leadership, and stakeholder-management skills.

Responsibilities

• Manage third-party collection and recovery agencies and monitor performance.
• Allocate accounts to agencies based on performance and business requirements.
• Drive monthly/quarterly collection targets and monitor MIS.
• Develop and implement channel-wise collection strategies across in-house, field, tele-calling and digital channels.
• Collaborate with Operations, Risk, Credit, Legal, Finance and Customer Service to execute strategies.

Skills

Collections & Recovery

Agency management

Team management

Channel management

Analytical & MIS skills

Negotiation & leadership

Stakeholder management

Target-driven

Education

Graduate or postgraduate in related field

Job description

wWe are looking for an experienced Collections & Recovery professional with strong expertise in agency management, team handling, and collections channel management. The candidate will be responsible for driving collection and recovery performance, managing external collection agencies, leading internal teams, and ensuring effective execution of collection strategies across channels.

Key Responsibilities

1. Agency Management

• Manage and monitor third-party collection and recovery agencies
• Allocate accounts/portfolios to agencies based on performance and business requirements
• Track agency-wise productivity, collections, recovery rates, and operational KPIs.
• Conduct regular performance reviews and drive agencies to achieve assigned targets.
• Ensure agencies comply with company policies, regulatory requirements, and collection guidelines.
• Identify underperforming agencies and implement corrective action plans.
• Develop strong relationships with agency partners and negotiate operational requirements where necessary.
• Lead, manage, and motivate the collections/recovery team to achieve business targets
• Set daily, weekly, and monthly collection targets for the team
• Monitor individual and team-level performance through regular MIS and reviews
• Coach team members on collection strategies, customer handling, negotiation, and escalation management
• Drive productivity and ensure effective allocation of accounts and field resources
• Handle escalations and support the team in resolving complex recovery cases
• Manage multiple collection channels including in-house, field collections, agencies, tele-calling, digital/payment channels, and other recovery channels
• Develop and implement channel-wise collection strategies based on portfolio performance.
• Optimize account allocation across channels to maximize recovery and cost efficiency.
• Monitor channel productivity, conversion, recovery rates, and operational costs.
• Identify opportunities to improve collections through new channels, processes, and technology

4. Collections & Recovery Strategy

• Drive achievement of monthly/quarterly collection and recovery targets.
• Analyze portfolio trends, delinquency buckets, roll rates, and recovery performance.
• Develop strategies for different delinquency stages and customer segments.
• Monitor high-risk and high-value accounts and ensure timely action.
• Work closely with internal stakeholders such as Operations, Risk, Credit, Legal, Finance, and Customer Service

5. MIS & Performance Management

• Prepare and review daily/weekly/monthly collection performance reports.
• Track key metrics include collection efficiency, recovery rate, PTP conversion, PTP adherence, agency productivity, and bucket-wise performance.
• Use data and performance insights to identify gaps and improve recovery outcomes.
• Present performance updates and action plans to senior management

Candidate Profile

• Graduate/Postgraduate with relevant experience in Collections & Recovery.
• Proven experience in collection agency handling and third-party vendor management.
• Strong experience in team handling and performance management.
• Experience managing multiple collection channels and portfolios.
• Strong understanding of collection processes, delinquency management, and recovery strategies.
• Good analytical and MIS skills.
• Strong communication, negotiation, leadership, and stakeholder-management skills.
• Ability to work in a target-driven and fast-paced environment.
• Experience in BFSI, FinTech, NBFC, Banking, Lending, or related industries will be preferred