Regional Collections Manager

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

Job summary

Paisalo Digital Limited is seeking an experienced Collections & Recovery professional for Uttar Pradesh (Lucknow) with a strong background in agency management, team leadership, and multi-channel collections. The role focuses on driving performance, managing external agencies, and executing robust collection strategies across channels.

Responsibilities include agency oversight, team coaching, channel optimization, and data-driven performance management.

Qualifications

• Graduate/Postgraduate with relevant experience in Collections & Recovery.
• 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.
• Preferred experience in BFSI, FinTech, NBFC, Banking, Lending, or related industries.

Responsibilities

• Agency Management: Manage and monitor third-party collection and recovery agencies; allocate accounts; track productivity and KPIs; ensure compliance with policies and regulations.
• Team Handling: Lead and motivate the collections team; set targets; monitor performance; coach on collection strategies and escalation management.
• Channel Management: Manage in-house, field, agencies, tele-calling, digital channels; implement channel-wise strategies; optimize allocations across channels.
• Collections & Recovery Strategy: Drive monthly/quarterly targets; analyze delinquency and roll rates; coordinate with Operations, Risk, Credit, Legal, Finance, and Customer Service.
• MIS & Performance Management: Prepare and review collection reports; track metrics; present updates and action plans to senior management.

Skills

Agency Management

Team Handling

Channel Management

Collections & Recovery

Delinquency Management

MIS & Analytics

Negotiation & Escalation Management

Stakeholder Management

Vendor Management

Field Collections

Tele-Collections

Portfolio Management

Performance & Target Management

Education

Graduate/Postgraduate

Job description

Job Description

Role : Collection & Recovery Experience: 10+ years Locations: Uttar Pradesh - Lucknow Role Overvie 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.
• 2. Team Handling 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
• 3. Channel Management 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

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

Key Skills

• Collections & Recovery
• Agency Management
• Team Handling
• Channel Management
• Vendor Management
• Delinquency Management
• Field Collections
• Tele-Collections
• Portfolio Management
• Performance & Target Management
• MIS & Analytics
• Negotiation & Escalation Management
• Stakeholder Management