Relationship Manager - MF Collections

Collections & Recovery Management

• Ensure timely collection of EMI installments from Micro Finance borrowers.
• Monitor overdue accounts and take necessary actions to prevent loan slippages.
• Achieve collection efficiency and delinquency reduction targets.
• Conduct field visits for follow-up and recovery of overdue accounts.

Portfolio Quality Management

• Monitor PAR (Portfolio at Risk) and delinquency levels.
• Identify high-risk customers and implement corrective actions.
• Ensure reduction in bucket-wise overdue accounts.
• Maintain portfolio health as per company standards.

Customer Relationship Management

• Build and maintain strong relationships with borrowers and group members.
• Educate customers about repayment schedules and financial discipline.
• Resolve customer grievances related to loan repayments.
• Maintain customer retention through effective communication.

Field Operations

• Conduct daily field visits to villages, centers, and borrower locations.
• Organize center meetings and monitor attendance of borrowers.
• Verify customer repayment commitments and business performance.
• Ensure adherence to collection processes during field activities.

Compliance & Risk Control

• Follow company policies, collection practices, and regulatory guidelines.
• Ensure ethical collection practices and customer treatment.
• Identify fraud indicators and report suspicious activities.
• Maintain proper collection records and documentation.

Coordination & Reporting

• Work closely with Branch Managers, Credit Teams, and Operations Teams.
• Submit daily collection reports and recovery updates.
• Support legal and recovery teams in difficult collection cases.
• Participate in portfolio review meetings.

Key Skills Required

• Collection and recovery management
• Delinquency and portfolio monitoring
• Customer relationship management
• Negotiation and persuasion skills
• Field operations management
• Problem-solving and conflict resolution
• Basic financial and credit knowledge
• Reporting and documentation skills

Educational Qualification

• Graduate in any discipline (Commerce, Finance, Business Administration preferred).
• Higher qualifications may be an added advantage.

Experience

• 2–6 years of experience in Micro Finance Collections, Retail Collections, Banking, NBFC, or Financial Services.
• Experience in handling collection portfolios and field recovery activities preferred.