The Regional Manager, Recovery is responsible for leading and overseeing all field recovery operations across the region, ensuring strong portfolio performance, reduced non-performing loans (NPLs), effective roll rate management, regulatory compliance, and high team productivity.
Key Responsibilities
Develop and execute regional recovery strategies to reduce Portfolio at Risk (PAR) and improve recovery rates.
Set regional targets, KPIs, and activity expectations for field teams.
Oversee deployment of field resources, visit planning, skip tracing, and escalation processes.
Drive portfolio roll rate reduction across all DPD buckets.
Monitor regional portfolio performance and ensure timely recovery actions.
Review and approve restructuring and settlement proposals within delegated authority.
Ensure effective tracking of recovery activities using collections systems and dashboards.
Ensure adherence to regulatory requirements and ethical collection standards.
Oversee audits of field activities to prevent fraud and misconduct.
Recruit, train, and manage Field Collections Agents, Team Leads, and Supervisors.
Build a high-performance, accountable, and productivity-driven culture.
Collaborate with Credit, Risk, Legal, Operations, and Customer Service teams.
Provide regular performance reports and insights to senior management.
Improve field recovery processes, SOPs, routing, and reporting frameworks.
Requirements
Bachelor’s Degree in Business, Finance, Economics, Accounting, or related field (MBA or professional certification is an advantage).
6+ years of experience in field recovery within financial services/lending.
2–3+ years in a senior leadership or regional supervisory role.
Strong knowledge of credit risk, delinquency management, and roll rate dynamics.
Familiarity with regulatory frameworks and ethical collection practices.
Proven leadership experience managing large, distributed field teams.
Strong analytical, strategic thinking, and decision-making skills.
Excellent communication, stakeholder management, and negotiation abilities.
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