Area Collection Manager - Manager - Lending Collections (Frontend)

Job details

Work model

On-site

Salary

Not listed by source

Location

Vizag, Andhra Pradesh

Hiring context

How this role compares at Paytm

Paytm has 213 live roles in MeritLog’s catalog across 11 job families, and 20 of them are in engineering. 0 of those listings publish a pay range, a disclosure rate of 0%.

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What the role asks for

Parsed by MeritLog from the employer’s own posting. The full description follows below.

Job description

Role Overview The Area Collections Manager will be responsible for managing end-to-end collections across bucket segments, driving resolution strategies, ensuring portfolio health, and leading large on-ground and tele-calling teams. The role requires strong expertise in delinquency management, compliance, analytics, and team leadership. Key Responsibilities 1. Bucket & Portfolio Management ● Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments) ● Improve resolution rates in both early and late buckets ● Focus on non-starter and delinquent accounts to prevent roll-forward ● Drive collection efficiency and overall portfolio health ● Monitor daily performance and ensure adherence to CAPE norms 2. Tele-Collections Management ● Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies ● Design and optimize calling patterns based on customer risk profiling ● Improve dialer efficiency, call connect rates, and campaign performance ● Maximize early-stage resolutions to prevent migration to hard buckets 3. Field Collections & Risk Control ● Ensure strong field discipline (app usage, visit tracking, audit trails) ● Drive legal escalation for critical/high-risk cases ● Conduct audits to identify and mitigate portfolio risks ● Maintain strong governance and control mechanisms 4. Team Leadership & Vendor Management ● Lead large teams including Collection Managers, Team Leaders, and Executives ● Manage third-party/vendor collection agencies ● Allocate portfolios and set bucket-wise targets ● Conduct daily huddles, reviews, and performance tracking ● Coach teams on negotiation, objection handling, and resolution strategies 5. Target Achievement & Performance Delivery ● Drive monthly collection targets and improve resolution ratios ● Enhance PTP (Promise to Pay) conversion and kept rates ● Focus on First-Time Delinquent (FTD) customers to reduce future NPAs ● Ensure productivity metrics such as calls, RPC (Right Party Contact), and CE% are met 6. Compliance & Governance ● Ensure strict adherence to RBI guidelines and regulatory standards ● Handle escalations and customer grievances effectively ● Maintain ethical and compliant recovery practices ● Support internal and external audit requirements 7. MIS, Analytics & Reporting ● Track and analyze KPIs: CE%, RPC, PTP, dialer metrics, and resolution ratios ● Manage large portfolio data and generate actionable insights ● Identify gaps in collection strategies and recommend improvements ● Present performance reports and insights to senior management. 8. Key Skills & Competencies ● Strong expertise in collections strategy (early & late buckets) ● Proven leadership experience managing large teams and vendors ● Analytical mindset with strong MIS and reporting skills ● Knowledge of RBI regulations and compliance frameworks ● Excellent communication, negotiation, and problem-solving skills ● Ability to drive performance in high-pressure, target-driven environments