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 digital collection processes across assigned territories, driving recovery performance through innovative digital channels and data-driven strategies. You will work closely with cross-functional teams to optimize collection workflows, ensure regulatory compliance, and deliver outstanding portfolio management outcomes. This is an excellent opportunity for a motivated professional looking to make a significant impact within a fast-paced, technology-forward financial services environment.

Key Responsibilities

• Lead and manage end-to-end digital collection operations across the assigned area, ensuring timely and efficient recovery of outstanding dues through digital platforms including SMS, IVR, email, WhatsApp, and mobile applications.
• Monitor and analyze collection portfolio performance metrics, identifying trends and implementing corrective strategies to achieve monthly and quarterly recovery targets.
• Collaborate with technology and product teams to continuously enhance digital collection tools, automation workflows, and customer communication journeys.
• Supervise, mentor, and evaluate a team of collection executives and digital flow specialists, fostering a high-performance culture focused on accountability and professional growth.
• Ensure strict adherence to RBI guidelines, TRAI regulations, and internal compliance frameworks governing digital collection and customer outreach practices.
• Build and maintain productive relationships with external collection agencies, legal partners, and fintech vendors operating within the digital collections ecosystem.
• Prepare and present detailed performance reports, dashboards, and strategic recommendations to senior management on a regular basis.
• Identify and implement process improvements that reduce delinquency rates, improve customer resolution rates, and enhance the overall efficiency of digital collection flows.

Requirements

• Education: Bachelor's degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification is preferred.
• Experience: Minimum 5–8 years of experience in collections management within banking, NBFC, or fintech sectors, with at least 2 years in a leadership or area management capacity.
• Demonstrated expertise in managing digital collection channels, including familiarity with collection management systems (CMS), automated dialer platforms, and analytics tools.
• Strong understanding of credit risk, delinquency management, and NPA recovery processes within the Indian financial services landscape.
• Excellent leadership, communication, and stakeholder management skills with the ability to work effectively across diverse teams and geographies.
• Proficiency in data analysis using tools such as Excel, Power BI, or similar platforms to derive actionable insights from large datasets.
• In-depth knowledge of applicable regulatory requirements including RBI collections guidelines, FLDG norms, and data privacy standards.

Benefits

• Competitive Compensation: Attractive fixed salary complemented by a performance-linked incentive structure designed to reward high achievers.
• Career Growth: Clear pathways for advancement within a rapidly expanding organization, supported by structured learning and leadership development programs.
• Health and Wellness: Comprehensive medical insurance coverage for employees and their families, along with access to wellness and employee assistance programs.
• Work-Life Balance: Flexible working arrangements and generous leave policies that support personal well-being and professional productivity.
• Technology-First Environment: Opportunity to work with cutting-edge digital tools and platforms, positioning you at the forefront of innovation in financial collections.