Collection Head - SME Loans

Key Responsibilities:

1. Collections Strategy:

- Design and implement collections strategies for SME loan products.

- Develop bucket-wise strategies (130, 3160, 6190, 90+ DPD).

- Improve roll rates, cure rates, and recovery percentages.

- Reduce portfolio delinquency and credit losses.

2. Portfolio Management:

- Monitor and analyze portfolio performance daily and delinquency trends.

- Recommend proactive interventions for high-risk accounts.

3. Customer Engagement and Operations:

- Lead customer negotiations for overdue accounts.

- Build early warning system.

- Structure repayment plans and settlements.

- Maintain strong customer relationships while enforcing payment discipline.

- Handle escalated customer disputes.

4. Agency & Legal Management:

- Manage and monitor external collection agencies.

Required Experience:

- 8-9 years of experience.

- Bachelors degree in Finance, Commerce, Business Administration, Accounting or a related field.