Job Description
Company - Incred Financial Services
Position - Area Collections Manager
Location - Bangalore
Experience - 3+ years
About Incred :
InCred Financial Services (part of the broader InCred Group) is a Mumbai‑based, RBI‑registered NBFC founded in 2016 that uses technology and data science to simplify lending. They offer a range of financial products—including unsecured personal loans, education loans, MSME/merchant finance, and supply-chain financing—via a fully digital process and app, with quick approvals and competitive interest rates.
About the Role :
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.
Key Responsibilities :
Manage and drive recovery operations for unsecured personal loans across assigned territory.
Monitor and control portfolio delinquency, especially early and late-stage buckets.
Recruit, train, and manage field collection teams and recovery agencies.
Develop and implement collection strategies to improve recovery efficiency and cost-effectiveness.
Ensure adherence to compliance guidelines and maintain ethical recovery practices.
Liaise with legal teams for escalated recoveries including settlements, arbitration, and legal actions.
Use data insights and MIS reports to track performance and highlight portfolio risks.
Conduct field visits, audits, and surprise checks to ensure process hygiene.
Coordinate closely with credit, risk, and operations teams for seamless process flow.
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