National Collection Head - Supply Chain Finance

NATIONAL COLLECTION MANAGER - SCF ROLE SPECIFICATION Role Title National Collection Head - Supply Chain Finance (SCF) Employee Interviewed Reports To Business Head - SCF Company Muthoot Fincorp Limited Function/Department Collections & Recovery Location Chennai Written By Sachin Purwar Approved By (Functional) Business Head -SCF Approved By (People & Culture) Date (Written On) 09/04/2026 ROLE SUMMARY The National Collection Head – SCF is responsible for designing, implementing, and monitoring the end-to-end collection and recovery strategy for the Supply Chain Finance portfolio. This role focuses on maintaining healthy portfolio quality (low GNPA/NNPA) by managing vendor/dealer repayments, early warning signals, and legal recovery processes across the pan-India network. ORGANIZATIONAL CHART KEY RESPONSIBILITIES Operations & Transactional Strategy Formulation: Develop and execute segment-specific collection strategies for Dealer Financing, Vendor Discounting, and Factoring products. Portfolio Monitoring: Reviewing Delinquency trends (30, 60, 90+ DPD) and implementing corrective actions to prevent slippages into NPA. Agency Management: Onboarding and managing specialized collection agencies and ensuring adherence to the Fair Practices Code (FPC). Digital Collections: Implementing automated payment reminders, NACH/e-Mandate tracking, and digital payment links to improve self-cure rates. Process Improvement EWS Framework: Enhancing Early Warning Signals (EWS) by integrating transaction data and market intelligence to identify "at-risk" anchors or dealers. Policy Refinement: Periodically updating the collection policy based on market volatility and regulatory changes (RBI guidelines). Efficiency: Automating the allocation of delinquent cases to field staff/agencies through a robust Loan Management System (LMS). . KEY INTERACTIONS Internal Stakeholders External Stakeholders Risk & Credit: For feedback on sourcing quality and EWS. Collection Agencies: For field-level execution. Sales/Business Team: To coordinate with Anchors/Corporates. Legal Counsel: For SARFAESI, Sec 138, and arbitration. IT & Operations: For LMS updates and payment reconciliation. RBI/Auditors: For compliance and portfolio audits. KEY ROLE DIMENSIONS Geographical Coverage Pan India (SULB - Small Unit Loan Business) Direct Reportees 4 - 6 (Zonal/Regional Managers) Total Team Size KEY SKILLS & BEHAVIOURAL ATTRIBUTES Analytical Rigor: Proficiency in interpreting complex delinquency data and flow rates. Negotiation Skills: Ability to handle high-ticket settlements and distressed corporate anchors. Regulatory Knowledge: Deep understanding of RBI guidelines on recovery, IBC, and Securitization. Leadership: Experience in managing large, remote teams across diverse geographies. EDUCATION / EXPERIENCE . Education: Post-Graduate/MBA in Finance or related field. Experience: Minimum 15–18 years in NBFC/Banking, with at least 8 years specifically in Supply Chain Finance or Corporate Collections. Exposure: Strong track record in managing "Bucket 0" to "Write-off" portfolios in a high-volume environment.