Territory Debt Manager

Company Description TVS Credit Services Ltd., part of the respected TVS Group, provides timely and affordable credit that enables individuals across India to pursue their ambitions. The company serves customers from diverse socio-economic backgrounds with a wide range of financial products, supporting financial inclusion across urban and rural markets. TVS Credit is the number one financier for TVS Motor Company Limited and a leading provider of finance for two-wheelers, consumer durables, mobile phones, used cars, tractors, used commercial vehicles, and unsecured loans. Its entrepreneurial culture is supported by initiatives such as AIM for innovation and GURU for mentorship, and the company has earned a CRISIL AA+ (Stable) rating and multiple industry awards, including recognition as one of Indias Top 100 Best Companies to Work For.

Role Description The Territory Debt Manager is a full-time, on-site role based in Gonda, responsible for overseeing debt recovery and collection activities within the assigned territory. The role involves planning and executing collection strategies, monitoring portfolio performance, and ensuring adherence to company policies and regulatory guidelines. The Territory Debt Manager coordinates with field collection teams, reviews high-risk accounts, and implements corrective actions to minimize delinquency and losses. The role also includes regular reporting, data analysis, and collaboration with branch and regional leadership to improve recovery efficiency and customer experience.

Qualifications

• Strong debt management and debt collection skills, with experience handling diverse customer portfolios.
• Solid finance knowledge and understanding of lending, risk, and recovery processes.
• Excellent analytical skills to interpret portfolio data, identify trends, and design effective collection strategies.
• Clear and persuasive communication skills for engaging customers, coordinating with internal teams, and preparing reports.
• Proven experience in territory or portfolio management within financial services or banking is preferred.
• Ability to work on-site in Gonda, manage field teams, and travel within the territory as required.
• Bachelors degree in finance, business, commerce, or a related field; a postgraduate qualification is an advantage.
• Working knowledge of MS Excel and basic reporting tools; familiarity with collection systems and MIS is beneficial.