Territory Collection Manager JLG and Rural LAP

SMFG INDIA CREDIT COMPANY; Raichur District, Bhadravathi; On-site; INR 1,500,000 - 2,100,000; Full time

Benefits offered by this job

Job summary

SMFG India Credit Company invites applications for the State Collections Manager role overseeing rural LAP secured and unsecured loan recoveries across the state. You will implement collections processes, mentor the team, and ensure audit readiness.

The role focuses on regulatory compliance, cross-functional coordination with sales, risk, and fraud, and delivering collections targets while optimizing cost.

Qualifications

• Minimum qualification graduate, MBA preferred.
• Demonstrated leadership and people management skills.
• Experience in asset recovery or collections required.
• Ability to coordinate cross-functional teams.
• Strong ethics and integrity.

Responsibilities

• Lead and mentor the collections team across the state.
• Drive secured and unsecured loan recoveries per targets.
• Implement compliance systems and audit readiness.
• Coordinate with Sales, Fraud, Risk, and central teams.
• Monitor KPIs and optimize processes.

Skills

People management

Leadership

Risk management

Customer relationship

Regulatory compliance

Education

Graduate degree

MBA preferred

Job description

Job Description

Job TitleState Collections ManagerFunction / Department Rural LAP Secured and Unsecured Department Head Risk and Compliance Director Reporting Manager State Collections Manager

Purpose of the Job:

• Managing recovery of secured & unsecured loan products within the State
• Implement systems in collections flows & recovery department for meeting audit requirements
• Leading a time of sizeable strength , mentoring and coaching the collections team including periodic trainings

Describe the KPIs against each perspective

Perspective

• Key Performance Indicators

Business and Financial Management

• Calibrate growth in line with current segments
• Improve collection and legal recovery
• Manage cost in line with lower revenues
• Effective segmentation of the portfolio to maximize recoveries
• Monitoring losses within State
• Monitoring and driving continuous improvement of metrics of Customer Verification, Payment Processing, Delivery and Billing processes.
• Monitory all collections processes within the state including branch Cash reconciliations
• Effective segmentation of the portfolio to maximize recoveries
• Delivering Business Targets communicated by Strategy and NCM, NAM.

Customer Focus

• Build strong relationship with customers
• Monitoring and driving continuous improvement of metrics of Customer Verification, Payment Processing, Delivery and Billing processes.

People / Team

• Co-ordination among cross functional teams (Sales, Collections, Fraud, Risk) and central teams
• Co-ordination among cross functional teams (Sales, Collections, Fraud, Risk) and central teams
• Identifying and implementing new solutions to existing processes and to lead team with innovative ideas to bring best out of them.
• Focus on retention, development and employee engagement

Process / Quality Improvement

• Build capability at branch level to improve productivity
• Identifying and implementing new solutions to existing processes and to lead team with innovative ideas to bring best out of them.
• Ensure strong corporate governance, regulatory compliance & adherence to management model
• Lead and Develop Quality initiatives across Risk functions
• Monitory all collections processes within the state including branch Cash reconciliations.

SCOPE & DISCRETION (Span of control)

Total no. of employees supervised with details

GradeO1 to 0303 to 04Nos.

25 05

Total :

Sr. No.Direct Reportees

(functional title/role title)Indicate brief job purpose

1Collection Officer / Agency ManagerOn Role Collector for Flows and Recoveries2BCI / Hub InchargeResponsible for Branch/HUB Collection 3CCM Cluster Collection Managers managing Clusters within the State

Decision making authority

Describe the authority permitted to take decisions, and those you are expected to recommend

AreaDecisions takenDecisions recommended

Resolution TAT Process Changes Communication

Self deliverables

The most important tasks performed on an individual basis without involving subordinates are

Sr. NoTask performed

• 1 Effective segmentation of the portfolio to maximize recoveries
• Monitoring losses within State
• ¢ Monitoring and driving continuous improvement of metrics of Customer Verification, Payment Processing, Delivery and Billing processes.
• ¢ Co-ordination among cross functional teams (Sales, Collections, Fraud, Risk) and central teams
• ¢ Identifying and implementing new solutions to existing processes and to lead team with innovative ideas to bring best out of them
• ¢ Monitory all collections processes within the state including branch Cash reconciliations

Other factors relevant to the job

Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. NoOther relevant factors (Required Skills)

• 1Demonstrate core company values, including high integrity and ethics
• 2Relationship building and customer management skills
• 3Ability to comprehend risk inherent to customer business
• 4Result/ achievement orientation
• 5People management skills
• 6Interpersonal skills
• 7Multi-tasking & prioritization
• 8High resilience, energy and initiative
• 9Systematic & Meticulous
• 10Well networked in locality with respect to customers / financiers & Association office bearers.

Expertise required/ Domain Knowledge:

No. of years of relevant experience:

• ¢ Extensive management experience with minimum 9 years quality experience preferably in assets environment

Any specific specialization/education :

Minimum qualification graduate, preferred with additional MBA.