Sep 28, 2026 Oct 26, 2026 1 view

Regional Collections Manager

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Sep 28, 2026 Oct 26, 2026 1 view

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KreditBee Regional Collections Manager

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<h1 class="x1yc453h xngnso2 x7amdea x1i21sxh xhacrq1 x1iykcro x1mshyef x1fie51u xgyxj25 x1xobyvs x1fv8qjw xdj266r x1alsn5q x1pjt2rx x160d6zm xqsupf2 xrxpjvj" dir="ltr">Job Title: Regional Collections Manager – Bhubaneswar</h1><h3> </h3><h2 class="x1yc453h x1603h9y x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">About the Role</h2><h3></h3>We are seeking an experienced and results-driven Regional Collections Manager to lead collections, recovery, portfolio management, and field operations across the assigned region.The role will be responsible for driving collection efficiency, reducing delinquency, improving portfolio quality, managing collection teams and agencies, and ensuring achievement of regional collection and recovery targets.The ideal candidate will have strong experience in collections, recovery, field operations, banking, NBFC, fintech, lending, consumer finance, or related financial services. The candidate should possess strong leadership, analytical, negotiation, stakeholder management, and execution capabilities, along with a strong understanding of collection processes, delinquency management, and regional market dynamics.<h2 class="x1yc453h x1603h9y x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">What You'll Do</h2><h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Regional Collections & Portfolio Management</h3><h3></h3><ul class="xonam98 x1epdd7z xemmon1 xn020vs xfl32do xluzp7q x1yc453h x38giro xat24cr x1xobyvs x1fv8qjw xdj266r xrxpjvj x1bxe5rh"><li class="x1datfip xp5n6w9 x2xbuc6">Develop and execute regional collection strategies aligned with business and portfolio objectives.</li><li class="x1datfip xp5n6w9 x2xbuc6">Own collection and recovery performance for the assigned region.</li><li class="x1datfip xp5n6w9 x2xbuc6">Drive achievement of monthly, quarterly, and annual collection targets.</li><li class="x1datfip xp5n6w9 x2xbuc6">Monitor portfolio performance across different delinquency buckets and customer segments.</li><li class="x1datfip xp5n6w9 x2xbuc6">Track DPD movement, roll-forward, roll-back, resolution, recovery, and collection efficiency.</li><li class="x1datfip xp5n6w9 x2xbuc6">Identify high-risk and delinquent portfolios and implement corrective action plans.</li><li class="x1datfip xp5n6w9 x2xbuc6">Develop geography-specific collection strategies based on portfolio characteristics and market conditions.</li><li class="x1datfip xp5n6w9 x2xbuc6">Drive timely resolution of overdue and delinquent accounts.</li><li class="x1datfip xp5n6w9 x2xbuc6">Monitor portfolio trends and proactively identify emerging collection risks.</li><li class="x1datfip xp5n6w9 x2xbuc6">Ensure effective allocation of accounts across branches, field teams, and collection agencies.</li></ul><h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Team Leadership & People Management</h3><h3> </h3> Lead and manage Area Collection Managers, Branch Collection Managers, Collection Officers, and field collection teams across the region.Set clear performance targets and KPIs for collection teams.Conduct regular performance reviews and drive accountability across the team.Monitor individual and team-level productivity.Develop action plans for underperforming employees and teams.Coach and mentor collection managers and field teams to improve performance.Ensure optimum manpower deployment based on portfolio size, geography, and collection requirements.Manage team attendance, productivity, attrition, and field coverage.Build a performance-driven and disciplined collection culture.Identify training and capability-development requirements and ensure appropriate interventions.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Collection Strategy & Execution</h3><h3> </h3> Develop collection strategies across early, mid, and late-stage delinquency buckets.Drive preventive and corrective collection initiatives to minimize roll-forward.Improve contactability, promise-to-pay conversion, payment realization, and account resolution.Develop strategies for chronic overdue, high-value, and difficult-to-collect accounts.Conduct regular field visits to understand market-level challenges and collection effectiveness.Support teams in resolving critical and escalated customer accounts.Identify operational gaps impacting collection performance and implement corrective measures.Continuously improve collection processes, productivity, and field execution.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Agency & Vendor Management</h3><h3> </h3> Manage third-party collection and recovery agencies operating across the region.Identify and evaluate agency performance based on portfolio coverage, productivity, recovery, and compliance.Allocate portfolios and targets to agencies based on capability and historical performance.Monitor agency-level collection performance and productivity.Conduct regular performance reviews with collection agencies.Develop corrective action plans for underperforming agencies.Ensure agencies comply with company policies, collection processes, customer communication standards, and applicable regulatory requirements.Maintain strong relationships with agency partners while ensuring performance and accountability.Monitor agency manpower, field activity, productivity, and account coverage.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Business Performance & MIS Management</h3><h3> </h3> Monitor daily, weekly, and monthly collection performance through MIS and dashboards.Track key collection metrics including:<ul class="xonam98 x1epdd7z xemmon1 xn020vs xfl32do xluzp7q x1yc453h x38giro xat24cr x1xobyvs x1fv8qjw xdj266r xrxpjvj x1bxe5rh"><li class="x1datfip xp5n6w9 x2xbuc6">Collection Efficiency</li><li class="x1datfip xp5n6w9 x2xbuc6">Collection Achievement</li><li class="x1datfip xp5n6w9 x2xbuc6">DPD/Bucket Movement</li><li class="x1datfip xp5n6w9 x2xbuc6">Roll Forward / Roll Back</li><li class="x1datfip xp5n6w9 x2xbuc6">Resolution Rate</li><li class="x1datfip xp5n6w9 x2xbuc6">Recovery Rate</li><li class="x1datfip xp5n6w9 x2xbuc6">Promise-to-Pay and PTP Conversion</li><li class="x1datfip xp5n6w9 x2xbuc6">Contactability</li><li class="x1datfip xp5n6w9 x2xbuc6">Collector Productivity</li><li class="x1datfip xp5n6w9 x2xbuc6">Agency Productivity</li><li class="x1datfip xp5n6w9 x2xbuc6">Portfolio Coverage</li></ul>Analyze collection trends and identify performance gaps.Prepare regional performance reports and provide actionable insights to senior management.Develop forecasts and track performance against monthly, quarterly, and annual collection plans.Use data and analytics to optimize manpower, portfolio allocation, agency deployment, and collection strategies.Ensure accuracy and timely submission of collection MIS.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Field Operations & Market Management</h3><h3> </h3> Conduct regular market and field visits across the assigned geography.Understand local customer behavior, market dynamics, and collection challenges.Monitor field collection activities and ensure effective geographic coverage.Identify high-risk locations, customer segments, and portfolios requiring additional intervention.Develop localized collection strategies based on regional market conditions.Ensure effective coordination between branches, field teams, agencies, and regional management.Drive productivity improvements through effective route planning, account allocation, and field deployment.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Customer & Escalation Management</h3><h3> </h3> Ensure professional and appropriate customer communication throughout the collection lifecycle.Handle escalated and sensitive customer cases in coordination with relevant internal teams.Work with Customer Service, Operations, Risk, Legal, and other stakeholders to resolve customer and account-level issues.Monitor collection-related customer complaints and ensure timely resolution.Identify recurring customer issues and recommend process improvements.Maintain high standards of customer conduct and service during collection activities.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Compliance & Risk Management</h3><h3> </h3> Ensure all collection activities are conducted in accordance with company policies, internal processes, and applicable regulatory guidelines.Ensure collection teams and agencies follow approved communication and field-visit practices.Maintain zero tolerance for unauthorized, unethical, or inappropriate collection practices.Monitor compliance across employees and third-party agencies.Support internal and external audits related to collection operations.Ensure appropriate documentation and reporting of collection activities.Identify operational and compliance risks and implement appropriate mitigation measures.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Cross-Functional Collaboration</h3><h3> </h3> Work closely with Credit, Risk, Sales, Operations, Legal, Customer Service, Finance, Technology, and other internal teams.Share portfolio insights and collection trends with relevant stakeholders.Coordinate with Credit and Risk teams on high-risk and deteriorating portfolios.Work with Legal teams on accounts requiring legal or recovery intervention.Coordinate with Operations and Technology teams to resolve system, process, and collection-related issues.Provide feedback to business and product teams based on customer and field-level insights.Support development and implementation of collection policies, processes, and operating models.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Recovery & Resolution Management</h3><h3> </h3> Drive recovery initiatives for overdue, delinquent, and chronic accounts.Develop focused strategies for high-value and high-risk accounts.Monitor recovery performance across different delinquency stages.Coordinate with internal legal and recovery teams wherever required.Drive settlement, resolution, and payment realization within approved company policies.Identify accounts requiring specialized recovery intervention.Improve overall resolution and recovery rates across the assigned portfolio.<h2 class="x1yc453h x1603h9y x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">What We're Looking For</h2><h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Educational Background</h3><h3></h3>Bachelor's degree in Business Administration, Finance, Commerce, Economics, or a related field.MBA/PGDM in Finance, Business Management, Operations, or a related discipline is preferred.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Professional Experience</h3><h3> </h3> 10+ years of relevant experience in Collections, Recovery, Field Operations, Banking, NBFC, Fintech, Lending, Consumer Finance, or related financial services.Proven experience managing regional or multi-location collection operations.Experience managing large field collection teams and third-party collection agencies.Strong track record of achieving collection, recovery, productivity, and portfolio-performance targets.Experience managing delinquent retail loan portfolios across multiple geographies.Experience working with senior stakeholders across business, risk, operations, credit, legal, and customer service functions.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Functional Expertise</h3><h3> </h3> Strong understanding of collection and recovery processes.Good understanding of delinquency management and portfolio performance.Strong knowledge of bucket-wise collection strategies and field collection operations.Strong people-management and leadership capabilities.Excellent negotiation and communication skills.Strong analytical and problem-solving capabilities.Ability to identify collection risks and develop corrective action plans.Strong understanding of collection MIS, dashboards, and performance metrics.Ability to manage multiple branches, teams, agencies, and geographies simultaneously.Strong execution orientation and ability to work under pressure.<h2 class="x1yc453h x1603h9y x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Nice to Have</h2><h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Banking, NBFC & Fintech Experience</h3><h3></h3><ul class="xonam98 x1epdd7z xemmon1 xn020vs xfl32do xluzp7q x1yc453h x38giro xat24cr x1xobyvs x1fv8qjw xdj266r xrxpjvj x1bxe5rh"><li class="x1datfip xp5n6w9 x2xbuc6">Experience working with banks, NBFCs, fintechs, digital lenders, consumer finance companies, or other financial services organizations.</li><li class="x1datfip xp5n6w9 x2xbuc6">Exposure to personal loans, business loans, consumer loans, two-wheeler/four-wheeler finance, credit cards, LAP, or other retail lending products.</li><li class="x1datfip xp5n6w9 x2xbuc6">Experience managing large-scale digital or field collection operations.</li><li class="x1datfip xp5n6w9 x2xbuc6">Understanding of technology-enabled collections and digital payment channels.</li></ul><h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Regional & Field Operations</h3><h3> </h3> Strong understanding of the Odisha market, particularly Bhubaneswar and surrounding districts.Experience managing multi-location collection teams across a region.Strong knowledge of local market dynamics and customer behavior.Existing understanding of collection agency and field-force ecosystems in the region.Willingness to travel extensively across the assigned geography.<h3 class="x1yc453h x1c3i2sq x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Analytics & Performance Management</h3><h3> </h3> Strong proficiency in Microsoft Excel and collection MIS.Familiarity with Power BI, Tableau, or similar reporting and analytics tools is preferred.Ability to analyze collection trends, delinquency movement, productivity, recovery, and portfolio performance.Experience with collection management systems, CRM, dashboards, LOS/LMS, or field-force management platforms.Strong understanding of collection KPIs, productivity metrics, and portfolio analytics.<h2 class="x1yc453h x1603h9y x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Why You'll Love Working With Us</h2><h3> </h3> Opportunity to lead and scale regional collections operations in a fast-growing financial services organization.Exposure to digital lending, fintech, NBFC, and innovative financial products.Opportunity to manage large teams and complex regional portfolios.Significant ownership of collection efficiency, recovery, and portfolio performance.Opportunity to build and implement innovative collection strategies and operating models.Collaborative, performance-driven, and growth-focused culture.Continuous learning, leadership development, and career growth opportunities.Competitive compensation and benefits.<h2 class="x1yc453h x1603h9y x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Role Details</h2><h3></h3>Position: Regional Collections ManagerEmployment Type: Full-TimeExperience Level: Senior Level (10+ Years)Location: Bhubaneswar, OdishaTravel: Extensive travel across the assigned region<h2 class="x1yc453h x1603h9y x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Recruitment Fraud Warning & Disclaimer</h2><h3> </h3>KreditBee is committed to maintaining a transparent, fair, and secure recruitment process. We have become aware of fraudulent individuals and entities falsely claiming to represent KreditBee and offering fake employment opportunities.Please note that KreditBee never asks candidates to pay any money for registration, training, certifications, security deposits, or any other purpose at any stage of the recruitment process. All official recruitment communications are sent through verified company email domains, primarily @kreditbee.in, @krazybee.com, and @kbnbfc.in. Candidates are advised to verify the sender's email address before responding to any recruitment-related communication. KreditBee does not conduct recruitment through unofficial email addresses or request payments.If you receive a suspicious job offer, interview invitation, or recruitment-related communication claiming to be from KreditBee, do not make any payment or share sensitive personal or financial information. We encourage you to verify the authenticity of the communication through our official careers page or by contacting us at hr@kreditbee.in.Disclaimer: KreditBee shall not be responsible for any loss, damage, or claims arising from fraudulent job offers or recruitment communications made by unauthorized individuals or entities falsely representing the company. Candidates should exercise due diligence and verify the authenticity of all recruitment-related communications before taking any action.This job description is intended to outline the general nature and key responsibilities of the position. It is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the role. The responsibilities and qualifications described may be subject to change, and other duties may be assigned as needed. Employment is at-will, meaning the employee or the employer may terminate the employment relationship at any time, with or without cause, and with or without notice.<h2 class="x1yc453h x1603h9y x1gtpwm6 x7amdea x1i21sxh xladpa3 x1iykcro xma8rkl x1fie51u xgyxj25 x1xobyvs x1fv8qjw x1a024ua x14l7nz5 x1pjt2rx x160d6zm xrxpjvj" dir="ltr">Data Utilization Disclaimer</h2><h3> </h3>By applying for this position, you acknowledge and agree that any personal data you provide may be used for recruitment and employment purposes. The data collected will be stored and processed in accordance with our privacy policy and applicable data protection laws. Your information will only be shared with relevant internal stakeholders and will not be disclosed to third parties without your consent, unless required by law.

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