RCM - Retail Secured Flows_ Hyderabad

Job Description: Regional Collections Manager – Telangana
Location: Hyderabad
Department: Collections
Position: Regional Collections Manager (RCM)
Reports To: Zonal / National Collections Head
Role Overview
The Regional Collections Manager will be responsible for leading and driving collection strategies across the state of Telangana. The role involves managing a large and diverse team of Collection Managers (CMs) and Area Collection Managers (ACMs), along with end-to-end oversight of collection agencies, vendor performance, and portfolio health.
The RCM will ensure strong process governance, improved recoveries, and adherence to organizational compliance standards while delivering on regional collection targets.
Key Responsibilities1. Team Leadership & Performance Management
Lead, mentor, and manage a team of Collection Managers and Area Collection Managers across Telangana.
Conduct regular performance reviews, capability assessments, and provide necessary coaching to enhance team effectiveness.
Ensure alignment of team members to regional and organizational collection goals.
Drive productivity through planning, monitoring, and continuous improvement.
2. Portfolio Management
Oversee Secured / Unsecured / SME / Consumer Finance portfolios as per business allocation.
Monitor bucket-wise delinquency, flow rates, and recovery trends across the region.
Implement action plans for high-risk buckets and ensure timely resolution of critical cases.
Analyze portfolio trends, highlight risks, and recommend corrective actions.
3. Agency Management
Identify, onboard, and manage collection agencies, field executives, and vendors across Telangana.
Ensure agencies adhere to compliance, code of conduct, and operational guidelines.
Track agency performance through scorecards, KPIs, and regular performance reviews.
Resolve escalations, disputes, or operational bottlenecks impacting field execution.
4. Compliance, Governance & Audit
Ensure 100% adherence to Regulatory guidelines, RBI directives, and company compliance protocols.
Implement audit recommendations and maintain strong control discipline across teams and agencies.
Conduct field audits, agency visits, and compliance trainings.
5. Stakeholder Management
Collaborate with Branch Heads, Sales Leaders, Risk, Legal, and Operations for coordinated actions.
Provide portfolio insights, MIS updates, and regional performance reports to senior management.
Handle escalated customer cases with maturity and solution-driven communication.
6. Strategy & Process Excellence
Develop regional collection strategies aligned to geography-specific behaviours and demographics.
Drive adoption of digital tools, automation, and tech-enabled collection solutions.
Lead regional initiatives to improve cost efficiency, recovery effectiveness, and customer experience.
Qualifications & Experience
Graduate / Post-Graduate in any discipline (MBA preferred).
8–12+ years of total experience in Collections, with minimum 3–5 years in a managerial or regional leadership role.
Strong exposure to managing multi-location teams and agencies.
Proven track record of achieving collection targets and improving portfolio health.
Key Skills & Competencies
Strong leadership and people management skills
Excellent knowledge of Telangana geography and market dynamics
Analytical and data-driven decision-making
Negotiation and conflict management skills
Strong communication and stakeholder management
High level of discipline, integrity, and compliance orientation
Ability to work under pressure and handle large-scale operations

Work arrangement
No