Job Summary: The Collections Manager plays a critical role in driving recovery performance through real-time monitoring, strategic decision-making, and efficient execution of corrective actions.

This role leads the collections team with a risk-segmented approach to maximize recovery rates while ensuring compliance and maintaining a customer-centric experience.

Strong expertise in collection-related risk assessment, operational efficiency, and dynamic, risk-based strategies is essential for success in this position.

Key Responsibilities: Tactical Execution & Risk-Based Collections: Prioritize accounts based on risk-segmentation.

Align collection efforts with risk levels instead of rigid schedules to maximize efficiency.

Operational Excellence & Process Optimization: Optimize workflows to improve collection efficiency.

Conduct ongoing process analysis to identify bottlenecks, inefficiencies, and areas for immediate intervention.

Leverage data insights to adjust tactics in real-time, ensuring collection efforts align with delinquency patterns.

Performance Monitoring & Real-Time Analytics: Establish and track key performance indicators (PTP rates, Kept rates, and risk-weighted recovery rates) in real-time dashboards.

Generate and present actionable performance reports to immediate supervisor, focusing on areas requiring immediate tactical adjustments.

Team Leadership & Development: Lead, train, and mentor the collections team to ensure data-driven execution of recovery tactics.

Set clear, risk-adjusted targets for the team, ensuring high accountability and performance monitoring.

Foster a culture of agility and responsiveness, enabling the team to pivot tactics as risk profiles evolve.

Regulatory Compliance & Customer-Centric Approach: Ensure all collection activities comply with regulations, debt collection rules, and company policies, ensuring ethical recovery practices.

Qualifications & Skills: Minimum of 10 years of experience in collections management, with a strong track record in tactical execution and real-time decision-making.

Proficiency in collections management systems, data analytics tools, and CRM software.

Strong analytical skills with expertise in real-time data monitoring and risk assessment.

Excellent leadership, problem-solving, and negotiation skills.

Deep understanding of loan collections, delinquency management, and legal recovery processes.

Ability to work in a fast-paced, high-pressure environment requiring quick tactical decisions.

Core Competencies: Risk-Based Decision Making: Ability to prioritize collections based on delinquency risk segmentation.

Tactical Execution: Expertise in real-time monitoring and quick corrective actions.

Analytical Thinking: Ability to interpret complex data and drive immediate tactical improvements.

Operational Efficiency: Strong ability to refine processes, optimize workflows, and implement best practices.

Leadership & Team Agility: Capability to train and lead teams in a dynamic, data-driven environment.

Communication & Negotiation: Strong skills in handling customer interactions and negotiating repayment terms effectively.

Regulatory Compliance: Deep knowledge of financial regulations and compliance requirements.

Problem-Solving: Ability to identify challenges, implement corrective actions quickly, and continuously improve collection processes.