Key Responsibilities:

1. Supply Chain & MSME Collection Management

Manage end-to-end collections for Supply Chain Finance (SCF) products, focusing on vendor discounting, dealer financing, and factoring.
Oversee debt recovery from SME/MSME corporate borrowers, ensuring a balance between firm recovery tactics and maintaining long-term business relationships.
Monitor Anchor performance and coordinate with corporate anchors to facilitate collections from their respective SME ecosystems (vendors/distributors).

2. Co-Lending & Partnership Strategy

Act as the primary liaison for collection operations with Co-lending partners/Partners (Banks and larger NBFCs).
Ensure that all collection activities align with the specific SLAs and risk-sharing agreements defined in partnership contracts.
Manage complex fund flow reconciliations and reporting requirements unique to co-lending setups.

3. Policy Formulation & Strategy

Develop and iterate the Collection Policy and Standard Operating Procedures (SOPs) for corporate and SME segments.
Design data-backed strategies for different delinquency buckets, specifically tailored for B2B and supply chain cycles.
Implement Early Warning Signals (EWS) to identify potential stress in MSME accounts before they move into overdue buckets.

4. Corporate Recovery & Legal Coordination

Lead high-value negotiations with large corporate borrowers and promoters for stressed asset resolution.
Coordinate with the legal team to initiate and track recovery actions under Section 138, SARFAESI, and NCLT where necessary.
Manage and audit third-party collection agencies or legal facilitators specialized in corporate recovery.

5. Compliance & Reporting

Ensure 100% adherence to RBI's Fair Practices Code and guidelines on Outsourcing of Financial Services.
Provide regular portfolio health dashboards to Senior Management, highlighting GNPA trends, resolution rates, and partnership-specific performance.

Required Skills & Qualifications:

Core Experience:7+ years in collections, with at least 3 years of direct experience in Supply Chain Finance or Co-lending/Partnership frameworks.
Segment Expertise: Proven track record of managing collections for MSME/SME corporates and dealing with Large Corporate treasuries.
Strategic Capability: Experience in drafting collection manuals, policies, and implementing automated collection workflows.
Education:Graduation/ Post Graduation
Location: Must be able to operate from the Marol, Mumbai office.

Technical Competencies:

Strong understanding of Loan Management Systems (LMS) and SCF platforms.
Expertise in B2B credit cycles and trade finance instruments.
Advanced analytical skills (Excel/PowerBI) for portfolio segmentation and trend analysis.

Collection Manager