Incred - Collections Manager

Company - Incred Financial Services

Position - Area Collections Manager

Location - Bangalore

Experience - 3+ years

We are looking for a result-driven Area Collections Manager to lead and manage collections & recovery for unsecured loan portfolios. You will be responsible for overseeing a team of collection officers and agency partners, ensuring high recovery rates, minimizing delinquencies, and maintaining regulatory compliance.

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  Manage and drive recovery operations for unsecured personal loans across assigned territory.

  
  


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  Monitor and control portfolio delinquency, especially early and late-stage buckets.

  
  


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  Recruit, train, and manage field collection teams and recovery agencies.

  
  


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  Develop and implement collection strategies to improve recovery efficiency and cost-effectiveness.

  
  


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  Ensure adherence to compliance guidelines and maintain ethical recovery practices.

  
  


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  Liaise with legal teams for escalated recoveries including settlements, arbitration, and legal actions.

  
  


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  Use data insights and MIS reports to track performance and highlight portfolio risks.

  
  


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  Conduct field visits, audits, and surprise checks to ensure process hygiene.

  
  


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  Coordinate closely with credit, risk, and operations teams for seamless process flow.