Regional Collection Manager - Chennai

FinAGG Technologies Pvt. Ltd.

Empowering MSMEs with Intelligent Credit

Regional Collection Manager

Chennai | South India Region

Function

Collections & Risk

Location

Chennai (with regional travel — Tamil Nadu, Andhra Pradesh, Telangana, Karnataka)

Reporting To

Head – Risk & Collections (HO, Noida)

Experience

5–10 years in collections / credit / MSME lending

Employment Type

Full-time | Permanent

CTC Band

Competitive — basis experience and market benchmarks

 About FinAGG Technologies

FinAGG is a Noida-headquartered fintech building India's most comprehensive MSME credit intelligence and lending infrastructure. Backed by SIDBI, Prime Venture Partners, BLinC Invest, BlueOrchard, and Tata Capital, we have disbursed over ₹5,200 Crore to 85,000+ MSMEs across 6,200+ pin codes — with sub-0.6% delinquency.

Our integrated stack spans FameScore / FinAGG.ai (an RBI-authorised credit intelligence platform and Technology Service Provider), FinAGG Services (a Lending Service Provider under RBI Digital Lending Guidelines), and QCF Capital (an NBFC-ND). We work with anchor brands including Whirlpool, Birla Opus, HUL, and others to finance their dealer and distributor ecosystems.

 Role Overview

The Regional Collection Manager – Chennai will own end-to-end collections performance across the South India region. This is a high-ownership role that sits at the intersection of field operations, risk management, and borrower relationships. You will be responsible for maintaining portfolio health, driving early-stage resolution, managing field agents and legal/recovery channels, and ensuring compliance with RBI Digital Lending and FLDG norms.

You will work closely with the Head of Risk & Collections, regional sales leaders, and our NBFC/bank lending partners to maintain FinAGG's track record of best-in-class delinquency metrics.

 Key Responsibilities

Portfolio Monitoring & Delinquency Management

•      Own the South India portfolio's DPD (Days Past Due) buckets — X, 30, 60, 90+ — and drive bucket-wise resolution strategies.

•      Proactively identify stress signals and initiate pre-delinquency interventions in the 0–30 DPD window.

•      Work with the risk team at HO to flag early-warning signals on dealer/distributor accounts using FameScore data.

•      Track and report weekly on collection efficiency, resolution rates, rollovers, and write-off trends.

Field Collections & Agency Management

•      Build and manage a network of field collection executives and empanelled recovery agencies across Tamil Nadu, Andhra Pradesh, Telangana, and Karnataka.

•      Set daily/weekly targets for field agents, conduct field visits for critical accounts, and ensure adequate coverage across pin codes.

•      Monitor agency performance, compliance with code of conduct, and adherence to RBI Fair Practices Code.

•      Lead ground-level resolution on hard-bucket (60–180 DPD) accounts through negotiated settlements and restructuring within approved policy.

Legal & SARFAESI / Recovery Actions

•      Coordinate with empanelled legal counsel for initiation of arbitration, SARFAESI, Lok Adalat, and NI Act proceedings.

•      Maintain tracker on legal cases — filing status, hearing dates, recovery outcomes.

•      Liaise with borrowers, guarantors, and co-applicants for out-of-court settlement wherever viable.

Borrower Communication & Relationship Management

•      Lead borrower engagement for mid-to-large ticket MSME accounts, maintaining professional and empathetic collections conduct.

•      Coordinate with anchor brand (dealer principal / distributor) networks to leverage channel relationships in difficult recovery situations.

•      Ensure all collections communication is RBI-compliant, documented, and audit-ready.

Reporting & Cross-functional Coordination

•      Submit weekly and monthly collection MIS to the Head of Risk & Collections and to lending partners (bank / NBFC co-lenders) as required.

•      Participate in monthly portfolio review calls with HDFC Bank, Jana SFB, and QCF Capital teams.

•      Work with the credit and underwriting team to provide field-level feedback for policy refinement.

•      Support LSP audit and regulatory compliance requirements as needed.

 Candidate Profile

Must-Have Experience

•      5–10 years of collections experience in MSME / SME / business lending, supply chain finance, or dealer finance.

•      Prior experience managing field teams and recovery agencies across South India markets.

•      Demonstrated track record of maintaining portfolio delinquency below target thresholds.

•      Working knowledge of RBI Digital Lending Guidelines, FLDG structures, and Fair Practices Code.

•      Exposure to legal recovery mechanisms: SARFAESI, arbitration, NI Act, Lok Adalat.

Good to Have

•      Prior experience with an NBFC, fintech lender, or bank DSA / LSP in a collections leadership role.

•      Familiarity with anchor-distributor / dealer finance models (FMCG, consumer durables, building materials).

•      Comfort with collection management software or LMS platforms.

•      Existing network with recovery agencies and legal firms in Chennai / South India.

Skills & Attributes

•      Strong negotiation, persuasion, and conflict-resolution skills.

•      Data-driven mindset — comfortable with DPD analysis, bucket-movement reports, and collection MIS.

•      High ownership orientation and ability to work with minimal supervision.

•      Fluency in Tamil (mandatory); working knowledge of Telugu or Kannada is an advantage.

•      Willingness to travel extensively across the South India region.

 Why FinAGG

•      Mission-led work: directly improving credit access and financial resilience of India's 63 million MSMEs.

•      Lean, high-ownership team: report directly to senior leadership; decisions are fast, impact is visible.

•      Cutting-edge tech stack: leverage FameScore AI-driven credit intelligence and real-time DPD dashboards in your collections work.

•      Institutional backing: investors include SIDBI, Tata Capital, Prime Venture Partners, and BlueOrchard — with an active fundraising trajectory.

•      Competitive CTC with performance-linked variable pay.

 How to Apply

Send your CV and a brief note on your South India collections experience to:

[Confidential Information]

Subject line: Regional Collection Manager – Chennai | [Your Name]

Shortlisted candidates will be contacted within 5 working days.

FinAGG Technologies Pvt. Ltd. | Noida, Uttar Pradesh | www.finagg.in

RBI Authorised Credit Intelligence Platform | GSTN GSP Licensee | NBFC-ND (QCF Capital)