About Vivriti Group Vivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses: Vivriti Capital Limited : A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has disbursed over USD 3 billion to 300+ enterprise borrowers and holds a CRISIL rating of A+. Vivriti Asset Management : A fixed-income fund manager, managing multiple Alternative Investment Funds (AIFs). With over USD 550 million in commitments from 900+ institutional and private contributors, Vivriti AMC has invested more than USD 600 million across 90+ entities. Role Overview: The Retail Collections Manager will be responsible for overseeing collections and recovery strategies across a range of loan products, including unsecured and secured lending. The ideal candidate must bring hands-on experience in managing diverse portfolios and leading large, distributed collections teams and external partners. Key Responsibilities: Portfolio Ownership & Strategy: Own and drive collections for a multi-product retail portfolio comprising both secured & unsecured loans including: Unsecured Personal Loans MSME Business Loans Loan Against Property Used two-wheeler loans Used Commercial vehicle loans Develop segment-specific strategies for early-stage delinquency, mid-bucket, and hard bucket accounts. Team Management & Agency Handling: Lead and manage internal field collections teams and oversee outsourced agency performance. Implement productivity benchmarks, training, and process improvement for field teams. Process & Compliance: Ensure adherence to all regulatory guidelines (RBI, legal) and internal SOPs during the collections process. Drive ethical collections practices and promote customer-centric recovery. Performance Monitoring & Analytics: Track key collection metrics (roll rates, resolution %, bounce rates) and take corrective actions proactively. Prepare and present MIS/reports to senior management on portfolio health and recovery trends. Cross-functional Coordination: Collaborate with credit, risk, legal, operations, and tech teams for structured, tech-driven collections initiatives. Work with legal and litigation teams on escalated cases where recovery through legal channels is required. Key Competencies: Deep understanding of secured and unsecured asset classes Strong leadership and stakeholder management skills High analytical orientation and data-driven decision-making Excellent communication and negotiation skills Experience in rural/semi-urban collections will be a plus Location: Chennai Experience Required: 10–15 years Educational Qualification: Postgraduate/MBA in Finance or related field (preferred) Reports To: Head – Collections & Stressed Assets
Job Title
Retail Collections Manager