State Head - Collections

Company Description Saarathi Finance is a registered Non-Banking Financial Company (NBFC) focused on making access to capital easier for small business owners and MSMEs across India. The company offers secured and unsecured loans, growth-focused business loans, flexible tenures, and easy EMIs with quick processing and minimal documentation. With a pan-India presence and doorstep service in Tier 2 and Tier 3 towns, Saarathi Finance is committed to meeting customers where they are. The organization emphasizes care, clarity, and confidence in lending, supporting businesses through real-world challenges. Saarathi Finance aims to build meaningful impact for customers, partners, and investors, one business at a time.
Role Description The State Head – Collections is a full-time, on-site role based in Tiruvallur. The role involves overseeing end-to-end collections operations within the state, including planning and executing collection strategies to minimize delinquency and optimize recovery. The State Head will manage and guide collections teams, monitor performance metrics, and ensure adherence to regulatory and internal compliance standards. Daily responsibilities include reviewing portfolio risk, analyzing collection trends, coordinating with branch teams, handling escalated cases, and implementing process improvements. The role also requires close collaboration with finance, risk, and operations teams to maintain healthy asset quality and enhance customer experience during the collections process.
Qualifications
Candidates should possess strong expertise in Debt Collection and Collections Management.
Candidates should possess solid Analytical Skills to interpret data, assess portfolio performance, and drive informed decisions.
Candidates should possess proven Team Management capabilities to lead, mentor, and develop collections staff.
Candidates should possess a sound understanding of Finance, particularly lending and recovery processes.
Relevant experience in NBFC or banking collections, especially in MSME or small business lending, is highly beneficial.
Strong communication, negotiation, and conflict-resolution skills are important.

Work arrangement
No