Job Description: Collection Manager (Early Bucket – SCF/MSME) We are looking for a seasoned Collection Manager with a strategic mindset to oversee our early-stage delinquency portfolio (0–30 days DPD). This role requires a professional who can blend on-ground grit with administrative precision to maintain the health of our Supply Chain Finance (SCF) and MSME portfolios. As a manager, you will be responsible not only for debt recovery but also for identifying business risks and ensuring the seamless re-utilization of credit limits. Key Responsibilities 1. Strategic Field Collections (0–30 Days DPD) • Lead and execute direct follow-ups for accounts in the early delinquency stage. • Perform mandatory direct visits to customer premises for high-value or sensitive DPD cases to ensure immediate payment collection. 2. Stakeholder Coordination & Limit Utilization • Act as the bridge between Collections and Sales: Once payments are collected, proactively coordinate with the Sales Team to encourage the borrower to utilize their credit limits again, ensuring no loss in business momentum. 3. Legal Escalation & Compliance • For borrowers failing to settle dues within the 30-day window: • Partner with the Legal Team to initiate Loan Recall Notices (LRN). • Oversee NACH/Cheque presentations and ensure all legal formalities are strictly adhered to. • Maintain a tracking mechanism for all legal notices issued. 4. Business Continuity Audits • For repeat defaulters, conduct deep-dive on-site inspections of the borrower’s business operations. • Assess and report on whether the business is functional, identifying any operational risks that might lead to future defaults. Candidate Profile • Experience: 3–5 years of core experience in Collections, specifically within SCF (Supply Chain Finance) or MSME lending. • Education: Graduate/Post-Graduate in Finance, Commerce, or a related field. • Technical Knowledge: Deep understanding of the MSME ecosystem, cash flow-based lending, and legal frameworks (Sec 138/Sec 25). • Skills: High-level negotiation, relationship management, and the ability to analyze business health during field visits. • Travel: High mobility is required; the candidate must be comfortable with frequent field travel. Performance Indicators • Roll-Back Rate: Effectiveness in preventing 0-30 DPD accounts from moving into older buckets. • Limit Re-utilization: Success in getting customers back into the active "Sales" cycle post-payment. • Audit Accuracy: Precision in reporting business status for repeat offenders.