Team Collection Manager_Tractors and Farm Equipments (TFE)_0223_3710_1100833_HRR

• *Job Description (JD) – Team Collections Manager – Tractor \& Farm Equipment**

• *Designation:**

• *Team Collections Manager – Tractor \& Farm Equipment Finance**

• *Department:**

• *Collections \& Recovery**

• *Reporting To:**

Area Collections Manager / Regional Collections Manager

• *Location:**

As per business requirement

• *Job Purpose**

To lead and manage the collections function for Tractor \& Farm Equipment finance portfolios within the assigned geography. The role involves driving collection efficiency, minimizing delinquencies, improving portfolio health, managing collection agencies, and ensuring compliance with organizational and regulatory guidelines.

• *Key Responsibilities**

• Manage collections and recovery activities for Tractor \& Farm Equipment loan portfolios.
• Ensure achievement of collection targets and reduction of delinquency across all assigned buckets.
• Monitor overdue accounts and initiate timely recovery actions.
• Lead, mentor, and monitor the performance of field collection executives and agency partners.
• Develop collection strategies to improve portfolio performance and reduce NPA levels.
• Conduct regular field visits for high\-value and critical cases.
• Ensure adherence to collection policies, regulatory guidelines, and code of conduct.
• Coordinate with Sales, Credit, Operations, and Legal teams for resolution of delinquent accounts.
• Handle escalated customer cases and negotiate repayment solutions.
• Manage repossession, settlement, and legal recovery processes wherever required.
• Review collection MIS, portfolio trends, and recovery performance on a regular basis.
• Strengthen relationships with local stakeholders, dealers, and rural communities to support recovery efforts.

Ensure productivity improvement and optimal utilization of collection resources.

• *Eligibility Criteria**

• *Education**

• Graduate in any discipline.
• MBA/PGDM preferred.

• *Experience**

• 4–8 years of experience in Collections, Recovery, or Portfolio Management.
• Prior experience in Tractor Finance, Farm Equipment Finance, Vehicle Finance, Rural Lending, or Retail Asset Collections preferred.

Experience in team handling and agency management is mandatory.

• *Required Skills**

• Strong knowledge of collections and recovery processes.
• Understanding of tractor finance and rural lending markets.
• Team management and leadership capabilities.
• Negotiation and conflict resolution skills.
• Analytical and problem\-solving abilities.
• Strong stakeholder and vendor management skills.
• Knowledge of legal recovery and repossession processes.
• Proficiency in MS Excel and collection MIS reporting.