Incred Zonal Collections Manager Mumbai (India)

Job Description Zonal Collections Manager (Recoveries)

Location-Mumbai

Exp-10-14yrs

Role & responsibilities-

Lead and oversee Personal Loan collections (digital and non-digital) operations across multiple regions

within the assigned zone, ensuring alignment with organizational objectives.

Drive strategic recovery efforts for bucket-4 and higher delinquency portfolios, working closely with

Regional Collections Managers (RCMs), Area Collection Managers (ACMs), and vendor partners.

Own the zonal portfolio performance, focusing on reducing delinquencies, improving recovery rates, and

optimizing receivable management.

Formulate and implement zone-wide collection strategies, frameworks, and SOPs in coordination with Risk,

Credit, Legal, and Operations teams.

Monitor and guide regional teams on achieving monthly and quarterly collection targets, ensuring

consistency in execution across locations.

Act as a strategic partner to business, sales, and credit teams to maintain portfolio health and strengthen

pre-delinquency controls.

Establish robust governance and compliance mechanisms across all collection activities, ensuring adherence

to regulatory guidelines and internal audit standards.

Lead the review and performance monitoring of multiple vendor agencies, ensuring cost-efficiency, quality,

and ethical collection practices.

Identify performance gaps and skill development needs across the collection hierarchy, drive training

interventions and leadership grooming initiatives.

Design and execute zone-level incentive programs, productivity boosters, and performance contests in line

with business goals.

Analyse collection trends, regional challenges, and operational bottlenecks to provide data-driven insights

to top management.

Oversee the legal recovery process at a zonal level, ensuring timely execution of litigation, arbitration, and

settlement procedures for chronic accounts.

Champion customer-centric resolution models .