Zonal Collection Manager – Support Services Collection Reporting To - National Collection Head Key Responsibilities Collections & Portfolio Management • Own and manage collection performance for the Car loan portfolio across the assigned region. • Ensure achievement of collection targets (Current, Bucket-wise, GNPA/NNPA). • Monitor early delinquency (0–30 days) and overdue movement across buckets. • Drive reduction in roll-forwards and improve resolution of chronic delinquent accounts. Team Leadership & Vendor Management • Lead and mentor Area Collection Managers, Team Leaders, and Field Officers. • Appoint, manage, and review performance of external collection agencies. • Conduct regular reviews, field visits, and capability-building sessions. • Ensure ethical collection practices and adherence to the company’s Code of Conduct. Strategy & Process Improvement • Design and execute region-specific collection strategies based on customer behavior and portfolio trends. • Implement skip-tracing, settlement, and repossession strategies where applicable. • Collaborate with Credit, Sales, and Risk teams to improve customer quality and reduce delinquencies. • Drive digitization and process improvements for higher operational efficiency. Compliance & Risk Control • Ensure adherence to RBI guidelines, local laws, and internal policies. • Handle escalations, legal cases, and customer complaints related to collections. • Ensure proper documentation, repossession, and asset disposal processes (where applicable). MIS & Reporting • Review daily/weekly/monthly MIS on collections, productivity, and agency performance. • Analyze portfolio trends and present insights to senior management. • Track key metrics like PAR, bounce rates, repossession rates, and resolution TAT.