# Area Collection Manager – Manager – Lending Collections (Frontend)

- Link: https://100xfounder.com/job/paytm-area-collection-manager-manager-lending-collections-frontend-9e8a5e/
- Published: 2026-05-07T11:57:10+05:30
- Author: Ishaan Vardhan

### Role Overview

The Area Collections Manager will be responsible for managing end-to-end collections
across bucket segments, driving resolution strategies, ensuring portfolio health,
and leading large on-ground and tele-calling teams. The role requires strong expertise
in delinquency management, compliance, analytics, and team leadership.

Key Responsibilities

1. Bucket & Portfolio Management

 * Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments)
 * Improve resolution rates in both early and late buckets
 * Focus on non-starter and delinquent accounts to prevent roll-forward
 * Drive collection efficiency and overall portfolio health
 * Monitor daily performance and ensure adherence to CAPE norms

2. Tele-Collections Management

 * Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies
 * Design and optimize calling patterns based on customer risk profiling
 * Improve dialer efficiency, call connect rates, and campaign performance
 * Maximize early-stage resolutions to prevent migration to hard buckets

3. Field Collections & Risk Control

 * Ensure strong field discipline (app usage, visit tracking, audit trails)
 * Drive legal escalation for critical/high-risk cases
 * Conduct audits to identify and mitigate portfolio risks
 * Maintain strong governance and control mechanisms

4. Team Leadership & Vendor Management

 * Lead large teams including Collection Managers, Team Leaders, and Executives
 * Manage third-party/vendor collection agencies
 * Allocate portfolios and set bucket-wise targets
 * Conduct daily huddles, reviews, and performance tracking
 * Coach teams on negotiation, objection handling, and resolution strategies

5. Target Achievement & Performance Delivery

 * Drive monthly collection targets and improve resolution ratios
 * Enhance PTP (Promise to Pay) conversion and kept rates
 * Focus on First-Time Delinquent (FTD) customers to reduce future NPAs
 * Ensure productivity metrics such as calls, RPC (Right Party Contact), and CE%
   are met

6. Compliance & Governance

 * Ensure strict adherence to RBI guidelines and regulatory standards
 * Handle escalations and customer grievances effectively
 * Maintain ethical and compliant recovery practices
 * Support internal and external audit requirements

7. MIS, Analytics & Reporting

 * Track and analyze KPIs: CE%, RPC, PTP, dialer metrics, and resolution ratios
 * Manage large portfolio data and generate actionable insights
 * Identify gaps in collection strategies and recommend improvements
 * Present performance reports and insights to senior management.

8. Key Skills & Competencies

 * Strong expertise in collections strategy (early & late buckets)
 * Proven leadership experience managing large teams and vendors
 * Analytical mindset with strong MIS and reporting skills
 * Knowledge of RBI regulations and compliance frameworks
 * Excellent communication, negotiation, and problem-solving skills
 * Ability to drive performance in high-pressure, target-driven environments