National Collection Manager – Group Loans (PSS07739)

About the client: PSS has been mandated to hire a National Collection Manager – Group loans for a leading financial services institution specializing in microfinance loans and group lending, with a strong presence across multiple states in India.

Job Purpose:

The purpose of this role is to lead and manage national-level collections for group loans by driving operational excellence, recovery efficiency, and portfolio quality. The role requires building robust collection strategies, motivating large teams, and ensuring adherence to compliance and regulatory frameworks.

Key Responsibilities:

Lead and drive a large team of collection resources to achieve the organisation’s collection efficiency and recovery budget.
Formulate and execute comprehensive collection strategies across assigned zones/states in line with organisational goals.
Develop analytical models and frameworks to measure portfolio performance, delinquency trends, and provide insights for corrective action.
Motivate and guide regional and zonal collection teams to deliver aggressive recovery targets, especially in hard buckets.
Monitor, analyse, and report on collection performance, identifying key drivers and intervention areas.
Ensure strict adherence to all legal, regulatory, and ethical standards across all levels of operations.
Enhance operational efficiencies through process improvements, technology adoption, and best practice implementation.
Manage collection budgets, resources, and cost-effectiveness of strategies.
Foster a culture of accountability, high performance, and continuous improvement.

Collaborate with Product, Tech, Risk, and Operations teams to improve collection effectiveness.
Represent the collections function in strategic discussions and present performance insights to top management.

Educational Qualifications And Experience:

Master’s degree (MBA preferred) in Business Administration, Finance, or related field.
Minimum 20+ years of overall experience with at least 10–12 years in senior leadership roles in debt collection, preferably in microfinance loans.
Proven expertise in group loan collection, particularly in hard bucket recovery.
Strong proficiency in English, Tamil (mandatory)
Deep knowledge of collection buckets, provisioning methodologies, recovery mechanisms, and credit risk.
Demonstrated experience in developing and executing large-scale collection strategies across multi-regional/zonal operations.
Strong leadership, strategic thinking, problem-solving, and communication skills.
Expertise in data analytics and its application to collection optimization.

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