The ACM leads the collections and recovery operations for a defined geographic territory. The role requires balancing high recovery volumes with strict adherence to regulatory compliance and ethical collection practices.
Key Responsibilities
Recovery & Delinquency Management
Execute absolute recovery strategies for mid-to-late stage delinquency (e.g., 90+ DPD) and write-off pools to minimize financial losses.
Achieve monthly roll-back, resolution, and portfolio efficiency targets across assigned states or regions.
Identify early stress accounts, fraudulent profiles, and skip-cases, and initiate prompt corrective action plans.
Agency & Vendor Management
Recruit, onboard, and manage external collection agencies, field officers, and channel partners.
Conduct regular performance reviews with vendors, allocate portfolios, and manage incentive structures.
Audit agencies to ensure compliance with company Memorandums of Understanding (MOUs) and data security...