Job Summary

The Manager collections is responsible for managing recoveries from defaulting accounts within the Supply Chain Finance (India) portfolio. The role ensures timely recoveries, effective management of overdue and provisioned accounts, and full compliance with internal policies and regulatory guidelines/requirements.

Key Responsibilities

Business
•    Drive rigorous follow-up on overdue accounts to maximize recoveries and minimize provisions through telephonic and in-person engagement.
•    Travel extensively, including to Tier 2/3/4 locations, to support collection and recovery efforts.
•    Coordinate closely with Portfolio Managers, Sales Managers, and Anchor partners.
•    Manage provisioned and defaulted accounts systematically to achieve optimal recovery outcomes.
•    Ensure adherence to all default management policies, procedures, and timelines.
•    Maintain accuracy and integrity of data across all systems.
•    Lead and coordinate stakeholder forums such as Overdue Review and Early Alert Review meetings with high-quality precision.
•    Support the Sales Managers and Portfolio Managers in security through mortgage creation activities.

Processes
•    Liaise with Credit Operations to review risk grades and ensure correct account classification (standard, sub-standard, or provisioned) in internal as well as Regulatory Reporting systems.
•    Reconcile overdue reports across bank systems to ensure consistency and accuracy.
•    Ensure successful completion of all audits, including RBI, statutory, and credit audits.
•    Ensure compliance with RBI directions and internal bank processes related to defaults.
•    Drive legal recovery processes for overdue and NPA accounts in coordination with legal counsel to maximize recoveries.

People & Talent
•    Display teamwork through seamless delivery, effective back-ups
•    Embrace and practice the values of the bank on all occasions.
•    Personally demonstrate one bank behaviour and lead by example.

Risk Management
•    Satisfactory completion of all audits i.e. RBI, Statutory and Credit Audits.
•    Compliance with all default related RBI Directions & banks internal processes.

Governance
•    Ensure adherence to all internal and external regulations including RBI reporting.
•    Support "No surprises" culture by highlighting key compliance and Operational risk issues impacting the Unit in an immediate manner for appropriate resolution.
•    Highlighting key compliance and Operational risk issues impacting the Unit in an immediate manner for appropriate resolution.

Regulatory & Business Conduct
•    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
•    Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders
•    Portfolio Managers - SCF
•    Sales Managers - SCF
•    Credit and Stressed Asset Risk
•    Coverage Bankers
•    Stressed Asset Group Managers
•    Credit Operations team
•    Legal & Compliance

Skills and Experience

•    Collection Management
•    Stress Asset Management

Qualifications

•    Academic or Professional Education/Qualifications - Bachelors/Masters, a Law degree would be an added advantage
•    Work Expereince - 10+ years in banking or non-banking financial services, with extensive collections management experience from unsecured accounts, especially in MSME space, across various products.  Good knowledge of recovery related processes and laws mandatory.
•    Languages; Proficiency in English (must), Hindi and any 1 other local language

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.