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 team in Kolkata, India. In this pivotal role, you will be responsible for overseeing and optimizing digital collection processes across the assigned area, ensuring timely recovery of dues while maintaining strong customer relationships. This position demands a strategic thinker with a deep understanding of digital payment ecosystems, collections technology, and team leadership. You will work closely with cross-functional teams to drive efficiency, compliance, and performance across all digital collection channels.

Key Responsibilities

• Lead and manage end-to-end digital collection flows including automated payment reminders, digital wallets, UPI-based recoveries, and online payment portals across the Kolkata region.
• Monitor daily collection performance metrics, analyze delinquency trends, and implement corrective action plans to achieve monthly and quarterly targets.
• Collaborate with technology and product teams to continuously improve digital collection platforms, ensuring seamless customer experience and higher resolution rates.
• Supervise, train, and mentor a team of collection executives and digital flow specialists, fostering a high-performance culture focused on accountability and results.
• Ensure full compliance with RBI guidelines, FLDG norms, and internal risk and audit policies related to collections and customer communication.
• Build and maintain relationships with external collection agencies, fintech partners, and payment aggregators to expand digital recovery capabilities.
• Prepare and present detailed MIS reports, dashboards, and performance summaries to senior management on a regular basis.
• Identify and implement process improvements and automation opportunities to reduce manual intervention and increase collection efficiency across digital touchpoints.

Requirements

• Bachelor's degree in Finance, Business Administration, or a related field; MBA preferred from a recognized institution.
• Minimum 5–8 years of experience in collections management, with at least 2–3 years in a digital collections or fintech-driven environment.
• Strong knowledge of digital payment systems including UPI, NACH, e-NACH, payment gateways, and mobile banking platforms prevalent in the Indian market.
• Proven track record of managing large teams and achieving collection targets in a fast-paced, target-oriented environment.
• Excellent analytical skills with proficiency in MS Excel, Power BI, or other data visualization tools for performance tracking and reporting.
• Sound understanding of regulatory frameworks including RBI Fair Practices Code and data privacy regulations applicable to collections.
• Exceptional communication, negotiation, and stakeholder management skills with the ability to engage effectively at all organizational levels.

Benefits

• Competitive compensation package with performance-linked incentives and annual bonuses tied to collection targets and team productivity.
• Comprehensive health and wellness benefits including medical insurance coverage for self and family, along with employee assistance programs.
• Significant career growth opportunities within a rapidly expanding digital lending and financial services organization with a strong presence across India.
• Access to continuous learning and development programs, including leadership training, digital finance certifications, and industry workshops.
• Flexible working arrangements and a collaborative, inclusive work culture that values innovation, integrity, and professional excellence.