Zonal Collections Manager_SUPPORT SERVICES_0139_5031_1100022_HRR

Zonal Collection Manager – Support Services Collection Reporting To - National Collection Head Key Responsibilities Collections & Portfolio Management Own and manage collection performance for the Car loan portfolio across the assigned region. Ensure achievement of collection targets (Current, Bucket-wise, GNPA/NNPA) . Monitor early delinquency (0–30 days) and overdue movement across buckets. Drive reduction in roll-forwards and improve resolution of chronic delinquent accounts. Team Leadership & Vendor Management Lead and mentor Area Collection Managers, Team Leaders, and Field Officers . Appoint, manage, and review performance of external collection agencies . Conduct regular reviews, field visits, and capability-building sessions. Ensure ethical collection practices and adherence to the company’s Code of Conduct . Strategy & Process Improvement Design and execute region-specific collection strategies based on customer behavior and portfolio trends. Implement skip-tracing, settlement, and repossession strategies where applicable. Collaborate with Credit, Sales, and Risk teams to improve customer quality and reduce delinquencies. Drive digitization and process improvements for higher operational efficiency. Compliance & Risk Control Ensure adherence to RBI guidelines, local laws, and internal policies . Handle escalations, legal cases, and customer complaints related to collections. Ensure proper documentation, repossession, and asset disposal processes (where applicable). MIS & Reporting Review daily/weekly/monthly MIS on collections, productivity, and agency performance. Analyze portfolio trends and present insights to senior management. Track key metrics like PAR, bounce rates, repossession rates, and resolution TAT .