Area Collection Manager - Digital Flows - Kolkata

About the Role

We are seeking a dynamic and results-driven Area Collection Manager – Digital Flows to join our growing financial operations team based in Kolkata, India. In this pivotal role, you will oversee and manage end-to-end digital collection processes across an assigned geographical area, ensuring timely recovery of outstanding dues while maintaining strong customer relationships. You will work at the intersection of technology and financial operations, leveraging digital platforms, analytics, and innovative collection strategies to drive performance and compliance. This is an excellent opportunity for a motivated professional looking to make a meaningful impact within a fast-paced, digitally-forward organization.

Key Responsibilities

• Manage and monitor the complete digital collections lifecycle, including automated payment flows, digital reminders, e-mandates, and online payment gateway reconciliations across the assigned area.
• Lead, mentor, and supervise a team of collection executives and digital flow coordinators, setting clear performance targets and conducting regular reviews to ensure goal achievement.
• Develop and implement area-specific collection strategies by analyzing delinquency trends, customer behavior data, and portfolio risk metrics to maximize recovery rates.
• Collaborate closely with technology, product, and operations teams to optimize digital collection tools, resolve system issues, and improve the overall efficiency of automated workflows.
• Ensure strict adherence to RBI guidelines, company policies, and industry best practices related to collections, data privacy, and customer communication standards.
• Build and maintain strong relationships with key stakeholders including branch managers, field teams, and external service providers to support seamless collection operations.
• Prepare and present detailed MIS reports, dashboards, and performance analyses to senior management, highlighting key trends, challenges, and actionable recommendations.
• Identify and escalate high-risk accounts proactively, coordinating with legal and recovery teams when required to minimize financial losses for the organization.

Requirements

• Bachelor's degree in Finance, Business Administration, or a related field; an MBA or equivalent postgraduate qualification is highly preferred.
• Minimum 5–8 years of experience in collections management, with at least 2 years in a supervisory or managerial role within banking, NBFC, or fintech sectors.
• Demonstrated expertise in digital collection platforms, including NACH mandates, UPI-based collections, payment gateways, and CRM-based workflow tools.
• Strong analytical and problem-solving skills with proficiency in MS Excel, data reporting tools, and the ability to interpret complex financial datasets.
• Excellent leadership, communication, and interpersonal skills with a proven ability to manage cross-functional teams and drive results in a target-oriented environment.
• In-depth knowledge of regulatory frameworks governing collections in India, including RBI Fair Practices Code and relevant consumer protection guidelines.
• Fluency in English and Bengali is preferred; working knowledge of Hindi is an added advantage.

Benefits

• Competitive compensation package with performance-linked incentives and annual bonuses aligned with individual and organizational targets.
• Comprehensive health insurance coverage for employees and immediate family members, including medical, dental, and wellness benefits.
• Structured learning and development programs, including access to digital finance certifications, leadership training, and industry conferences to support career growth.
• Flexible work arrangements and a collaborative work culture that promotes work-life balance, employee well-being, and professional recognition.
• Opportunity to be part of a high-growth organization at the forefront of digital financial services in India, with clear pathways for advancement into senior leadership roles.