Key Responsibilities:  Oversee and manage the collection operations for a cluster of branches within Ahmedabad.  Develop strategies to optimize the collection process, reduce delinquency, and improve recovery rates.  Lead, mentor, and train collection teams across various branches to meet their collection targets.  Monitor and analyze collections data, identify trends, and take corrective actions where necessary.  Ensure compliance with all regulatory requirements and company policies in the collection process.  Work closely with the legal team for handling recovery cases and legal escalations.  Foster positive relationships with customers, resolving disputes and addressing grievances to ensure smooth collection processes.  Prepare and present detailed collection reports and performance metrics to senior management.  Implement risk mitigation strategies to minimize defaults and improve loan recovery. Qualifications and Skills:  Bachelor’s degree in Finance, Business, or a related field.  Minimum of 5+ years of experience in collections, with at least 2 years in a managerial role overseeing multiple branches or clusters.  Strong understanding of loan recovery processes, legal frameworks, and collection techniques.  Excellent leadership and team management skills.  Proven ability to handle complex and escalated collection cases effectively.  Strong communication, negotiation, and interpersonal skills.  Proficiency in MS Office and financial software tools.  Ability to manage large teams across multiple locations and ensure performance alignment.