Regional Collections Manager - Karnataka

Easy Home Finance Limited; Bengaluru; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Easy Home Finance Limited in Bengaluru seeks a Regional Collections Leader to manage and optimize collections across multiple locations. You will monitor performance, drive recovery strategies, and ensure targets are met while safeguarding customer interests.

The role requires 6–10 years in retail lending collections, strong leadership, data-driven decision making, and familiarity with SARFAESI and regulatory guidelines; travel within the region will be extensive.

Qualifications

• 6–10 years of experience in retail lending collections.
• Experience across affordable housing, LAP or mortgage segments preferred.
• Proven leadership and people-management abilities.

Responsibilities

• Monitor and manage collections performance by bucket (X, 1–30, 31–60, 61–90, 90+ DPD).
• Track and reduce delinquency levels and NPAs; achieve targets.
• Recruit, train and lead Area Collection Managers and Officers.
• Provide coaching and performance reviews; drive productivity.
• Coordinate with third-party agencies and legal teams for SARFAESI notices.
• Drive recovery strategies for written-off or hard bucket accounts.

Skills

Team leadership

Analytical thinking

Regulatory compliance

Stakeholder management

Data-driven decisions

Education

Graduate in Finance

MBA (Finance)

Tools

SARFAESI knowledge

NHB RBI guidelines

Job description

• 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.


• 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.


• 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.


• 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.