Job Requirements About the Role The Area Debt Manager – Flows – Rural Assets is responsible for managing a team and coordinating operational recovery activities for a credit portfolio within an assigned territory. This includes overseeing corporate policies and procedures, minimizing front-end delinquencies, and collaborating with the legal team to manage complex cases. The role entails end-to-end collection responsibility and has a direct impact on the financial institution’s budget planning. Key Responsibilities Primary Responsibilities • Manage collections for specific products within the assigned area. • Ensure collection efficiency and control costs associated with collections. • Track and control delinquency by bucket and Days Past Due (DPD), with a focus on non-starters. • Review account allocations and set collection targets by bucket for agencies and in-house teams. • Follow up regularly with default customers through a dedicated team. • Ensure collection agencies and executives adhere to legal guidelines. • Monitor productivity by setting parameters for in-house teams, agencies, and collection executives. • Ensure adequate 'Feet on Street' availability across area, bucket, and segment. • Conduct background and reference checks for appointed agencies and Direct Collection Teams (DCTs) and evaluate them regularly. • Collaborate with the legal team to ensure appropriate legal action is taken on specified cases. • Build relationships with key clients to ensure timely collections. • Determine suitable tactics and strategies for timely collections. Secondary Responsibilities • Support the legal team with documentation and case preparation. • Provide feedback and insights to improve collection processes and policies. • Assist in training and mentoring collection staff. • Contribute to reporting and analysis for senior management. What We Are Looking For Education • Graduate – Any discipline. Experience • 4 years of experience in collections Skills and Attributes • Strong understanding of collection processes and legal guidelines • Excellent communication and negotiation skills • Ability to manage teams and coordinate with external agencies. • Proficiency in tracking and analyzing delinquency data. • Capability to develop and implement collection strategies. • Strong relationship management skills