Job Title: Business Loan SME Team Lead - Collections Job Summary
The Business Loan SME Team Lead - Collections is responsible for overseeing the collections function for SME/business loan portfolios, ensuring timely recovery of outstanding accounts while maintaining strong customer relationships and adhering to regulatory, risk, and policy guidelines. This role leads a team of collection specialists, provides subject-matter expertise in business loan collections, and drives strategies to reduce delinquencies, improve portfolio health, and optimize collection effectiveness.
Key Responsibilities Team Leadership & Management
Lead, supervise, and support a team of SME/business loan collection officers and specialists.
Assign and monitor workloads to ensure efficient handling of delinquent accounts.
Provide coaching, training, and performance evaluations to drive continuous improvement and policy adherence.
Motivate the team to meet collection targets and service-level expectations.
Collections Strategy & Execution
Develop, implement, and refine collection strategies tailored to business lending portfolios.
Monitor delinquency trends and ensure effective recovery actions are taken based on risk segmentation.
Oversee skip tracing, restructuring recommendations, field visits, and negotiation strategies for complex cases.
Recommend legal action or escalation to recovery units for non-performing assets (NPAs) when necessary.
Credit Risk & Portfolio Management
Review high-risk or high-value accounts and provide expert input on recovery options.
Ensure compliance with internal credit policies, regulatory requirements, and risk management frameworks.
Collaborate with credit, underwriting, and risk teams to identify systemic risk issues and propose preventive measures.
Analyze portfolio performance, early warning signs, and borrower behavior patterns to reduce future delinquency.
Job Type: Full-time
Pay: ?30,000.00 - ?45,000.00 per month
Benefits:
Cell phone reimbursement
Health insurance
Paid sick time
Paid time off
Provident Fund
Education: