Manager / Senior Manager – Collections (Co-Lending/Partnership & Supply Chain Finance)

Job Title: Manager / Senior Manager – Collections (Co-Lending/Partnership & Supply Chain Finance)

Location: Mumbai

Experience: 7–12 Years

Job Purpose:

The Collection Manager will lead the strategic and operational recovery efforts for  our client's specialized portfolios, including Supply Chain Finance (SME/MSME) and Co-lending partnerships. This role requires a sophisticated understanding of corporate credit cycles, anchor-led financing models, and the regulatory nuances of Bank-NBFC partnerships.

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.