Our client is a large domestic bank with more than thousand branches and ATMs spread across India. The Bank offers personal, corporate, NRI, SME banking, online banking services to it's customers.



Head Retail Collections & Recoveries



Key Deliverables

  • Setting the strategic framework for delivering marketing aligned collection efficiencies across retail assets (HL,LAP, PL, BIL, Auto, Education loans & Loans against securities / Deposits) in conjunction with Retail Business Head.
  • Delivering not only the collections and recoveries targets, but doing so, within an acceptable cost-to-income ratio, in keeping with the Bank’s theme of digital-first.


  • Post qualification work experience of 10 years plus.
  • Exposure to the retail lending collections, managing outsourced agencies and on-roles staff

Functional Expertise

  • Efficient collection strategy execution across early buckets, mid & hard buckets.
  • Draw up and execute optimal NPA management strategies including settlement options and re-structed plans for customers
  • Have experience in managing large number of tele collection as well as field agencies, both on-shore and off-shore (to manage NRI portfolio loans)
  • Have experience in utilizing data from bureaus to manage overall collection management more effective across pre & early buckets to NPA accounts
  • Effective management of outsourced agencies within the regulatory framework associated with training, cash-collection management and reconciliation of payments
  • Overall manage the cost-income of collections as well as achieve the market aligned NPA ratios across each of the retail asset products
  • Good knowledge and grasp of banking practices associated with collections & recoveries and a high level of awareness of the regulatory framework.

Job Skills

  • Requires outstanding interpersonal, coaching and listening skills with the ability to communicate within all levels of the organization.
  • Ability to make independent decisions with a strong sense of empowerment and leadership skills
  • Ability to manage a large set of outsourced agencies
  • At least five years of past experience of managing more than 20 on-role collections’ team and 10 plus outsourced agencies across the country, preferable


  • Candidate currently managing collection at Zonal level with a large player will be an ideal fit
  • Candidates integrity has to be very high and should be assertive
  • Minimum of 10 years of experience in Collections.
  • Should have an exposure in handling Home Loas, LAP, Education Loan, Auto, BIL, Personal Loan etc.



Vito India Advisors Pvt. Ltd. 2nd Floor, Napha Tower, CST Road, Kalina, Santacruz (East), Mumbai - 400 098 BOARD : +91 022 6862 2727 EMAIL :

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