Senior Manager - Regional Collections Manager, Collection Field East

SBI Card

Kolkata District

On-site

INR 1,200,000 - 1,800,000

Full time

9 days ago

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Benefits offered by this job

Work-life balance

Wellness program

Rewards program

Inclusive culture

Health benefits

Learning & development

Job summary

SBI Card invites experienced professionals to lead portfolio resolution and recovery operations in the Kolkata region. You will manage agency partners, optimize intervention strategies, and drive measurable outcomes across collection channels.

Candidates should have strong analytical skills and a proven ability to coordinate with vendors, compliance teams, and internal stakeholders. This role offers growth, learning, and an inclusive work environment.

Qualifications

Credit card knowledge and understanding of collection processes.
Analytical and problem-solving capabilities for portfolio health.
Strong stakeholder management and result-oriented approach.

Responsibilities

Devise vendor allocation strategy for the CD/region and ensure capacity addition per future inflows.
Ensure adequate legal interventions on the portfolio.
Drive performance across critical segments and review with vendors and area collection managers.
Conduct regular performance reviews with vendors and area collection managers.
Use hardship tools judiciously and manage settlement waivers on rate and value.
Document field visits and calls in Collect24 system.
Raise red flags for deterioration in portfolio health and fraud; escalate timely.
Ensure compliance with SVCL and code of conduct across agencies.
Perform due diligence on onboarding/offboarding/renewing vendors.
Report monthly cost provisions per timelines.
Identify new markets aligned with sales growth plans.

Skills

Credit card knowledge

Collection processes

Analytical ability

Stakeholder management

Problem solving

Result orientation

Education

Post-Graduate / Graduate in any discipline

Tools

Collect24 system

Job description

JOB DESCRIPTION

About Us

SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto 'Make Life Simple' inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.
SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, color, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.
Join us to shape the future of digital payment in India and unlock your full potential.

What’s In It For YOU

SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees
Dynamic, Inclusive and Diverse team culture
Gender Neutral Policy
Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
Commitment to the overall development of an employee through comprehensive learning & development framework

Role Purpose

Responsible for delivering on business metrics of portfolio resolution, norm, rollback and extraction/absolute recovery and ROR as per business operating plan through a team of Agency managers and Collection Vendors.

Role Accountability

Devise vendor allocation strategy for the CD/region and ensure appropriate capacity addition basis future business inflows in line with ACR guidelines
Ensure adequate legal interventions on the portfolio
Ensure various critical segments as defined by business are reviewed and performance is driven on them
Conduct regular performance review with Vendors and Area collection managers for all critical metrics to track the portfolio health and performance trends
Ensure judicious use of hardship tools and adherence to the settlement waivers both on rate and value
Conduct ongoing field visits on critical accounts and ensure proper documentation in Collect24 system of all field visits and telephone calls to customers
Raise red flags in a timely manner basis deterioration in portfolio health indicators/frauds and raise timely alarms on critical incidents as per the compliance guidelines
Reinforce compliance standards with area collection managers and vendors to drive adherence to code of conduct
Ensure all guidelines mentioned in the SVCL are adhered to and that process hygiene is maintained at aligned agencies
Ensure all customer complaints received are closed within time frame
Conduct thorough due diligence while onboarding/offboarding/renewing a vendor and all necessary formalities are completed prior to allocating
Ensure monthly cost provisions are reported as per timelines
Identify upcoming markets in accordance with the Sales growth plan and evaluate setting up/expanding operations basis volumes
In cases pertaining to Banca delinquencies, collaborate with partner bank branches in respective locations to track customers