Portfolio Manager

About This Role

Leading the collections for unsecured personal and business loans is the core of this role, which involves managing both in-house teams and external collection agencies. The position suits an experienced and results-driven Collections Manager with strong leadership and compliance awareness, who can drive recovery performance while maintaining a customer-centric approach.

Responsibilities

• Lead and manage end-to-end collections for unsecured personal and business loan portfolios
• Develop, implement, and monitor collection strategies to reduce delinquency and improve recovery rates
• Manage a team of in-house collection officers and ensure daily, weekly, and monthly performance targets are met
• Oversee and coordinate with third-party collection vendors/agencies across multiple geographies
• Monitor vendor performance, ensure adherence to SLAs, and take corrective action where necessary
• Ensure collections processes are compliant with regulatory and company standards, including fair practices and data privacy norms
• Analyse portfolio performance, bucket-wise delinquency trends, and suggest process improvements
• Collaborate with credit, legal, and operations teams to resolve disputes, handle escalations, and pursue legal recovery when required
• Provide MIS reports and dashboards to senior leadership with insights and recommendations
• Train and motivate team members to maintain high standards of collection efficiency and customer interaction

Requirements

• Bachelors degree in Finance, Business, or a related field
• MBA or equivalent preferred
• 4 to 8 years of experience in retail loan collections, with at least 2 to 3 years in managing unsecured loans
• Proven experience in managing both in-house collection teams and external vendors
• Strong knowledge of collections strategy, skip tracing, and legal recovery processes