130yearsofunblemishedbusinessexcellenceprovidingservicestomillionsof underserved Indians leading to Financial Inclusion even in the most remote and rural areas of the country. Sinceitsinception,TheMuthootGrouphasbeentransforminglivesofmillionsofIndiansacrossthecountry, giving wings to their dreams and creating successful realities. The Muthoot Group has not only grown exponentially but has also facilitated growth for a sizeable population of the country that falls in the underserved category. Muthoot Finance: Muthoot Finance Limited is the largest gold financing company in India in terms of loan portfolio. The company is a 'Systemically Important Non-deposit taking NBFC' headquartered inthe southern Indian state of Kerala. Muthoot Finance is listed in the leading Indian stock exchanges. Operating history of Muthoot Financehasevolved over aperiodof79years sinceM.George Muthoot(thefatherofourPromoters) founded a gold loan business in 1939 under the heritage of a trading business established by his father, Ninan Mathai Muthoot in 1887. The company provides personal and business loans secured by gold jeweler (Gold Loans), primarily to individuals who possess gold jewellery but could not access formal credit within a reasonabletime, or to whom credit may not be available at all, to meet unanticipated or other short-term liquidity requirements. Muthoot Finance has 4 subsidiaries, namely Belstar Investments (Microfinance, HQ - Chennai),Asia Asset Finance (a Listed NBFC in Sri Lanka - HQ Colombo), Muthoot Insurance Brokers (IRDA Registered Composite insurance broker, HQ - Cochin), Muthoot Homefin (Housing Finance Company, HQ - Mumbai) Muthoot Finance today has a Gold Loan portfolio of over Rs.27,500 crores and an additional Rs.2000 crores of Non-Gold Loan portfolio through its subsidiary businesses, which is approximately 7% of the consolidated AUM. The management has decided to increase its Non- Gold Loan products to upto 25% of the consolidatedAUMoverthenext3years.Inthiseffort,overthelast8quarterswehavecommencedapersonal loan vertical, primarilyaiming at salariedborrowers. The loan ticket size varies between Rs.1 lakh - Rs.10 lakhs. At present we have launched personal loans in the three states of South India - Tamil Nadu, Kerala and Karnataka. Our goal is to have pan-India disbursement of personal loans in the next two years and grow theAUM to Rs. 1,000 crores by FY 2021 Job Title: Collection Manager - Personal Loans Location: Pune, Indore, Ahmedabad Department: Collections Product: Personal Loans Company: Muthoot Finance Key Responsibilities Team Management: Lead, mentor, and manage a team of collection agents responsible for personal loan collections. Ensure team members meet performance targets and follow the collection process effectively. Collections Strategy: Develop and implement strategies to reduce delinquency rates, including structured follow-ups, recovery initiatives, and providing solutions to borrowers to clear outstanding dues. Customer Engagement: Engage with customers directly or through your team to ensure timely payment of loans. Address customer concerns and resolve issues in a professional and efficient manner. Collection Performance Analysis: Monitor and analyze collection performance regularly through reports and key performance indicators (KPIs). Ensure continuous improvement in recovery rates and reduce non-performing assets (NPAs). Compliance & Regulations: Ensure all collection activities adhere to legal guidelines, internal policies, and industry regulations. Maintain high ethical standards while managing customer relationships. Coordination with Other Departments: Collaborate with Sales, Risk, and Legal teams to develop solutions for challenging collections and improve overall portfolio health. Reporting & Documentation: Prepare detailed reports on collection progress, including strategies, achievements, and areas for improvement. Report to senior management on collection efficiency and trends. Training & Development: Conduct regular training sessions for the collections team on best practices, tools, and legal requirements for debt recovery. Key Requirements Education: Graduate or Post-graduate in any discipline. MBA or similar qualifications in finance would be an added advantage. Experience: 5+ years of experience in collections management, preferably in the financial services or lending sector. Experience in personal loan collections is highly desirable. Leadership: Proven experience in managing and leading a team of collections agents. Knowledge: Strong understanding of the personal loan product, loan recovery processes, and legal frameworks governing collections. Skills Strong communication and negotiation skills. Analytical mindset with the ability to interpret data and develop strategies. Proficiency in MS Office (Excel, PowerPoint, Word). Familiarity with collection management systems and CRMs. Excellent interpersonal skills and ability to build relationships with customers and internal teams. Strong decision-making and problem-solving abilities. Ability to work under pressure and meet targets within defined timelines. Self-motivated with a result-oriented approach. High level of integrity and professionalism.