SME - Team Lead

Job Description:

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:

• Higher Secondary(12th Pass) (Required)

Experience:

• Field sales: 4 years (Required)
• Management: 4 years (Required)
• Sales: 4 years (Required)

Language:

• Hindi (Required)

Work Location: In person