RCM - Unsecured Flows - Hyderabad

Job Description: Regional Collections Manager - Unsecured (Salaried Segment)

Role Summary:
The Regional Collections Manager will be responsible for driving collections performance for the unsecured salaried loan portfolio across the assigned region. The role involves managing teams, ensuring portfolio quality, minimizing delinquencies, and implementing effective recovery strategies while maintaining compliance and customer experience.

Key Responsibilities:

• Portfolio Management:
  Oversee collections for unsecured salaried loan portfolios (Personal Loans, Credit Cards, etc.) across the region, ensuring bucket-wise performance targets are met.

• Delinquency & Recovery Strategy:
  Drive early, mid, and late bucket collections through structured strategies to control roll rates and reduce NPAs.

• Team Management:
  Lead and manage Area/Cluster Collection Managers, Team Leaders, and field collections teams to achieve monthly and quarterly targets.

• Agency Management:
  Onboard, train, and monitor collection agencies ensure productivity, compliance, and adherence to company policies.

• Performance Monitoring:
  Track key metrics such as resolution rates, roll forward %, collection efficiency, and bounce cases take corrective actions.

• Customer Handling & Resolution:
  Ensure sensitive handling of salaried segment customers, including negotiation, settlements, and grievance resolution.

• Legal & Recovery Actions:
  Coordinate with legal teams for escalation cases, including recoveries, settlements, and write-off accounts.

• Compliance & Governance:
  Ensure adherence to regulatory guidelines, audit requirements, and ethical collection practices.

• Data Analysis & Reporting:
  Analyze MIS reports to identify trends, gaps, and opportunities present actionable insights to senior management.

• Stakeholder Coordination:
  Work closely with Risk, Credit, Sales, Ops, and Legal teams to improve portfolio quality and prevent delinquencies.

Key Requirements:

• 8-12 years of experience in collections, preferably in unsecured salaried products
• Strong exposure to multi-location team handling
• Proven track record in controlling delinquency and improving recovery rates
• Good understanding of legal and compliance aspects in collections
• Strong leadership, analytical, and stakeholder management skills

Key Competencies:

• Result orientation & ownership
• Team leadership & people management
• Negotiation & conflict resolution
• Data-driven decision making
• High ethical standards & compliance focus