Regional Digital Loan Collection Role - Bank

Description:

Hiring for a Financial Organisation

Role: Regional Collection (Handling a Zone)

Product: Personal Loan-Digital

Base: 1-Delhi, 1-Mumbai

CTC: 23 lacs

Role Overview:

We are seeking experienced professionals for the role of Senior Manager Recovery to lead regional recovery operations for a Small Ticket Personal Loan (STPL) portfolio within a fast-growing digital lending environment.

This is a high-impact leadership role involving end-to-end ownership of collections performance, field recovery operations, and portfolio management for a book size exceeding 100 Cr.

Key Responsibilities:

- Drive end-to-end recovery strategy across delinquency buckets, with a strong focus on hard bucket collections (90+ DPD / write-offs)

- Manage and lead field collections teams and agency partners across the assigned region

- Own and manage a 100 Cr+ portfolio of small ticket personal loans

- Monitor collection efficiency, productivity metrics, and resolution rates

- Implement data-driven strategies to improve recovery performance and reduce losses

- Ensure strict adherence to regulatory guidelines, compliance norms, and internal policies

- Collaborate with cross-functional teams including risk, operations, and analytics

- Drive continuous process improvements and optimize on-ground collections effectiveness

Eligibility Criteria (Must Have):

- 7-10 years of experience in collections within BFSI / NBFC / Fintech

- Strong experience in Digital Lending - Personal Loan collections is mandatory

- Hands-on exposure to hard bucket / recovery portfolios (small ticket size loans)

(Personal Loans / Consumer Durable Loans / Credit Cards preferred)

- Proven experience in managing field collections teams and vendors/agencies

- Prior experience in handling portfolio size of 100 Cr+ (small ticket loans)

- Candidates with experience primarily in Home Loans (HL), LAP, MSME or secured lending will not be considered

- Candidates handling monthly cases below 30k per month would not be eligible

- Candidates not handling agencies would be fit

- Candidates must handle team