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Regional Collections Manager - Senior Manager - Lending Collections
Paytm
Before you apply
The practical pictureRole details
- Employment
- Full-time
Inside the role
- Qualifications
- 10+ years of relevant experience in debt collections, recovery operations, and portfolio management within Retail Lending, FinTech, NBFCs, or Banking at least 3–5 years in a regional/multi-area leadership role managing managers Graduate degree in any discipline
Role signal brief
The role, at a glance
Extracted from the source posting · 95% confidence
The Regional Collections Manager leads collections performance and recovery targets for a designated region at Paytm, managing Area Collection Managers and third-party agencies. The role requires driving portfolio health through capacity planning and agency oversight while ensuring adherence to RBI collection guidelines and regulatory frameworks.
What you need
- 10+ years of relevant experience in debt collections, recovery operations, and portfolio management within Retail Lending, FinTech, NBFCs, or Banking
- at least 3–5 years in a regional/multi-area leadership role managing managers
- Graduate degree in any discipline
What you will own
- Drive regional collection targets, minimize roll-forwards/flow cases, manage non-starters, and maintain portfolio yield across all delinquency buckets.
- Directly manage, mentor, and track the performance of Area Collection Managers (ACMs) and conduct regular operational reviews.
- Ensure optimal deployment of internal Collection Executives and external collection agencies based on workload distribution.
- Oversee onboarding, background verification, audit performance, and empanelment of third-party collection agencies across the region.
- Identify regional skill gaps and drive ongoing compliance and soft-skills training for ACMs, CEs, and vendor partners.
Core skills
Debt Collections ManagementPortfolio ManagementTeam LeadershipCredit Risk RecoveryAgency Ecosystem ManagementRegulatory Compliance
Role brief
About the Team:The Collections & Credit Risk Recovery team acts as the strategic bridge between creditors and consumers. The team is responsible for managing portfolio health, controlling credit risk across loan buckets, overseeing multi-region collection operations, addressing critical customer escalations, and implementing scalable recovery and repayment strategies across Paytm's digital lending portfolio.
About the Role:As a Regional Collections Manager (RCM), you will lead the overall collections performance, portfolio health, and recovery targets for a designated region. You will directly manage a team of Area Collection Managers (ACMs), driving their performance, operational efficiency, and team productivity. This leadership role demands strategic oversight to control flow rates, manage agency ecosystems, handle high-level escalations, and ensure strict adherence to regulatory and compliance guidelines across all areas within the region.
Key Responsibilities & Expectations:
1) Regional Target Ownership: Drive regional collection targets, minimize roll-forwards/flow cases, manage non-starters, and maintain portfolio yield across all delinquency buckets (X-Bucket to Write-Offs).2) Team Leadership & ACM Management: Directly manage, mentor, and track the performance of Area Collection Managers (ACMs). Conduct regular weekly/monthly operational reviews to monitor team productivity, field allocation, and target achievement.3) Capacity Planning & Resource Allocation: Ensure optimal deployment of internal Collection Executives and external collection agencies ("Feet on Street") based on bucket-wise and segment-wise workload distribution across all areas.4) Agency & Vendor Ecosystem Management: Oversee onboarding, background verification, audit performance, and empanelment of third-party collection agencies across the region. Define vendor allocation strategies and handle fee/incentive structures.5) Training & Capacity Building: Identify regional skill gaps, drive ongoing compliance and soft-skills training for ACMs, CEs, and vendor partners, and continuously evaluate team performance for succession planning.
Qualifications & Experience:
Experience: 10+ years of relevant experience in debt collections, recovery operations, and portfolio management within Retail Lending, FinTech, NBFCs, or Banking, with at least 3–5 years in a regional/multi-area leadership role managing managers.
Education: Graduate degree in any discipline; Post Graduation/MBA in Finance, Operations, or Business Management preferred.
Skills & Competencies Required:
1) Leadership & Team Management: Proven track record of managing multi-tier teams (managing Area Managers who in turn manage field/agency teams).2) Strategic & Analytical Mindset: Deep understanding of collection metrics (flow rates, roll-rates, resolution rates, capacity modeling) and data-driven decision-making.3) Negotiation & Result Orientation: High-stakes negotiation skills with a relentless focus on target delivery in a fast-paced environment.4) Stakeholder & Legal Management: Strong grasp of legal/regulatory frameworks (RBI collection guidelines, repossession protocols, legal notice processes) and experience handling local law enforcement touchpoints.5) Communication & Interpersonal Skills: Excellent verbal and written communication skills to liaise effectively with cross-functional leadership, legal teams, external vendors, and regulatory bodies.
Why Join Us:W offer you the opportunity to develop your career, working in a diverse and inclusive workplace where the diverse backgrounds, perspectives, and life experiences of our people are celebrated and create a great place to grow, thrive, and belong. Most importantly, for us, Work is Fun!
Compensation:If you are the right fit, we believe in creating wealth for you. With an enviable ecosystem of 500 million+ registered users, 21 million+ merchants, and massive depth of data, we are in a unique position to democratize credit for deserving consumers and merchants across India. India’s largest digital lending story is brewing here—this is your opportunity to lead it!