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.
  

• 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.