Regional Head – Secured Collections (B3+)

Job Description: Regional Head – Secured Collections (B3+)

Department: Collections

Job Summary

The Regional Head – Secured Collections is responsible for leading the end-to-end collections strategy and operations for the secured loan portfolio across the assigned region. The role focuses on maximizing recoveries, minimizing delinquency and credit losses, ensuring regulatory compliance, managing legal recovery processes, and leading high-performing collections teams while delivering a superior customer experience.

Key Responsibilities

Portfolio Management

Drive collections performance across secured loan products such as Home Loans, Loan Against Property (LAP), and Mortgage-backed loans.

Monitor delinquency buckets (30+, 60+, 90+, NPA) and implement strategies to improve collection efficiency.

Develop region-specific action plans to reduce roll rates and optimize recoveries.

Ensure achievement of collection efficiency, resolution, and recovery targets.

Collections Strategy

Formulate and execute collection strategies across early, soft, hard, and legal collections.

Improve recovery through analytics-driven segmentation and prioritization.

Introduce process improvements and digital collection initiatives to enhance productivity.

Drive preventive collections to minimize future delinquency.

Team Leadership

Lead Regional Collection Managers, Area Managers, Cluster Managers, and field collection teams.

Establish performance goals and conduct regular reviews.

Coach and mentor team members to build a high-performance culture.

Optimize manpower utilization and succession planning.

Agency & Vendor Management

Appoint, monitor, and evaluate collection agencies and legal recovery partners.

Ensure agencies comply with regulatory guidelines and internal policies.

Negotiate commercial terms and improve vendor productivity.

Conduct periodic audits of agency performance.

Legal & Recovery Management

Oversee legal recovery actions under applicable banking and recovery laws.

Coordinate with legal teams on repossession, enforcement, settlements, and litigation.

Monitor recovery from written-off accounts.

Ensure timely execution of recovery proceedings.

Risk & Compliance

Ensure adherence to regulatory guidelines issued by the relevant banking regulator and internal policies.

Monitor customer complaint trends and ensure ethical collection practices.

Conduct periodic compliance reviews and operational audits.

Ensure complete documentation and process governance.

Stakeholder Management

Partner with Business, Credit, Risk, Operations, Legal, and Finance teams.

Present regional performance updates to senior leadership.

Build strong relationships with external legal firms, repossession agencies, and recovery partners.

Key Performance Indicators (KPIs)

Collection Efficiency (%)

Recovery Achievement vs Target

Portfolio Delinquency

Roll Rate Reduction

Gross & Net NPA Levels

Resolution Rate

Legal Recovery Success Rate

Cost of Collections

Agency Productivity

Customer Complaint Ratio

Regulatory Compliance Score

Team Productivity & Attrition

Qualifications

Bachelor's degree in Commerce, Finance, Business Administration, Economics, or a related field.

MBA/PGDM or equivalent postgraduate qualification is preferred.

Experience

12–18 years of experience in banking or financial services.

Minimum 5–7 years of leadership experience managing regional or multi-location secured collections.

Strong experience handling secured lending portfolios such as Home Loans, LAP, and Mortgage Finance.

Proven experience managing legal recoveries, collection agencies, and high-value delinquent accounts.

Technical Skills

Strong knowledge of secured collections lifecycle.

Understanding of retail banking products and lending operations.

Expertise in collections analytics and portfolio management.

Knowledge of legal recovery frameworks applicable to secured lending.

Proficiency in MIS reporting and data analysis tools (Excel, Power BI, Tableau, SQL preferred).

Familiarity with collection management systems and CRM platforms.

Behavioral Competencies

Strategic thinking

Strong leadership and people management

Decision-making and problem-solving

Negotiation and influencing skills

Customer-centric approach

Excellent communication and stakeholder management

Results orientation Job Description: Regional Head – Secured Collections (B3+)

Department: Collections

Job Summary

The Regional Head – Secured Collections is responsible for leading the end-to-end collections strategy and operations for the secured loan portfolio across the assigned region. The role focuses on maximizing recoveries, minimizing delinquency and credit losses, ensuring regulatory compliance, managing legal recovery processes, and leading high-performing collections teams while delivering a superior customer experience.

Key Responsibilities

Portfolio Management

Drive collections performance across secured loan products such as Home Loans, Loan Against Property (LAP), and Mortgage-backed loans.

Monitor delinquency buckets (30+, 60+, 90+, NPA) and implement strategies to improve collection efficiency.

Develop region-specific action plans to reduce roll rates and optimize recoveries.

Ensure achievement of collection efficiency, resolution, and recovery targets.

Collections Strategy

Formulate and execute collection strategies across early, soft, hard, and legal collections.

Improve recovery through analytics-driven segmentation and prioritization.

Introduce process improvements and digital collection initiatives to enhance productivity.

Drive preventive collections to minimize future delinquency.

Team Leadership

Lead Regional Collection Managers, Area Managers, Cluster Managers, and field collection teams.

Establish performance goals and conduct regular reviews.

Coach and mentor team members to build a high-performance culture.

Optimize manpower utilization and succession planning.

Agency & Vendor Management

Appoint, monitor, and evaluate collection agencies and legal recovery partners.

Ensure agencies comply with regulatory guidelines and internal policies.

Negotiate commercial terms and improve vendor productivity.

Conduct periodic audits of agency performance.

 

Legal & Recovery Management

Oversee legal recovery actions under applicable banking and recovery laws.

Coordinate with legal teams on repossession, enforcement, settlements, and litigation.

Monitor recovery from written-off accounts.

Ensure timely execution of recovery proceedings.

Risk & Compliance

Ensure adherence to regulatory guidelines issued by the relevant banking regulator and internal policies.

Monitor customer complaint trends and ensure ethical collection practices.

Conduct periodic compliance reviews and operational audits.

Ensure complete documentation and process governance.

Stakeholder Management

Partner with Business, Credit, Risk, Operations, Legal, and Finance teams.

Present regional performance updates to senior leadership.

Build strong relationships with external legal firms, repossession agencies, and recovery partners.

Key Performance Indicators (KPIs)

Collection Efficiency (%)

Recovery Achievement vs Target

Portfolio Delinquency

Roll Rate Reduction

Gross & Net NPA Levels

Resolution Rate

Legal Recovery Success Rate

Cost of Collections

Agency Productivity

Customer Complaint Ratio

Regulatory Compliance Score

Team Productivity & Attrition

 

 

 

Qualifications

Bachelor's degree in Commerce, Finance, Business Administration, Economics, or a related field.

MBA/PGDM or equivalent postgraduate qualification is preferred.

Experience

12–18 years of experience in banking or financial services.

Minimum 5–7 years of leadership experience managing regional or multi-location secured collections.

Strong experience handling secured lending portfolios such as Home Loans, LAP, and Mortgage Finance.

Proven experience managing legal recoveries, collection agencies, and high-value delinquent accounts.

Technical Skills

Strong knowledge of secured collections lifecycle.

Understanding of retail banking products and lending operations.

Expertise in collections analytics and portfolio management.

Knowledge of legal recovery frameworks applicable to secured lending.

Proficiency in MIS reporting and data analysis tools (Excel, Power BI, Tableau, SQL preferred).

Familiarity with collection management systems and CRM platforms.

Behavioral Competencies

Strategic thinking

Strong leadership and people management

Decision-making and problem-solving

Negotiation and influencing skills

Customer-centric approach

Excellent communication and stakeholder management

Results orientation