This is a high-impact banking role focused on managing delinquent portfolios, driving recoveries, and ensuring strong asset quality across secured and unsecured loan segments.
Job Overview
| Particulars | Details |
|---|---|
| Position | Pan-India NPA Collections Roles | RCM / SCM / ACM / Collection Manager |
| Company | Unity Bank |
| Location | Kolkata | Delhi | Rajasthan | Hyderabad | Vijayawada | Ahmedabad | Surat | Aurangabad | Mumbai |
| Job Type | Full-Time |
| Experience | 2 - 4 years |
| Category / Department | Bank |
| Application Mode |
🏢 About Unity Bank
Unity Bank is a modern, technology-driven banking institution formed through a collaboration between Centrum Financial Services and Resilient Innovations (BharatPe).
The bank aims to deliver inclusive and accessible financial services through innovation, digital transformation, and customer-centric banking solutions.
Unity Bank focuses on simplifying banking for customers while empowering individuals and businesses to achieve their financial goals.
🌟 Vision & Mission
Vision:
To make banking available at customers’ fingertips using advanced technology.
Mission:
To empower individuals and businesses by combining technology with inclusivity to drive financial progress and simplicity.
💡 Core Values
✔ Ownership: Take responsibility and deliver results
✔ Customer First: Deliver excellent customer experience
✔ Co-Creation: Build solutions together with stakeholders
✔ Integrity: Always do the right thing
Unity Bank
13th Floor, 1302/B Wing
Rupa Renaissance
D-33 MIDC Road, TTC Industrial Area
Turbhe, Navi Mumbai – 400705
Maharashtra, India
📝 Job Description
🚀 Unity Bank is Hiring | Pan-India NPA Collections Roles | RCM / SCM / ACM / Collection Manager 🚀
📍 Locations: Kolkata | Delhi | Rajasthan | Hyderabad | Vijayawada | Ahmedabad | Surat | Aurangabad | Mumbai
🏢 Work Mode: Onsite
💼 Department: Secured & Unsecured NPA Collections
🎯 Position Details
Job Titles:
Regional Collection Manager (RCM)
State Collection Manager (SCM)
Area Collection Manager (ACM)
Collection Manager
Experience Required: Relevant experience in Secured NPA Collections (Mandatory)
Unity Bank is looking for experienced NPA Collections professionals who can manage high-value loan portfolios and drive recovery performance across multiple geographies. The role requires strong expertise in secured asset recovery, leadership in collections, and the ability to handle challenging recovery scenarios.
Candidates will work closely with regional teams, legal departments, and credit operations to ensure timely resolution of overdue accounts and maintain strong asset quality for the bank.
🎓 Preferred Qualifications
✅ Graduation in Any Discipline (Preferred)
✅ Banking / NBFC Experience
✅ 3–12 Years Experience in Collections (depending on role)
✅ Strong Knowledge of Secured Lending Products
✅ Experience in Team Handling (for RCM/SCM roles)
📩 Apply Now
📧 jayakumar.ms@unitybank.co.in
📢 Know someone with NPA collections experience? Share this opportunity with them.
🎯 Key Responsibilities
- ✓ Manage NPA (Non-Performing Assets) portfolios across assigned regions.
- ✓ Drive recovery strategies for secured and unsecured loans.
- ✓ Lead and supervise collection teams (RCM/SCM/ACM levels).
- ✓ Monitor overdue accounts and initiate recovery actions.
- ✓ Coordinate with legal, recovery, and branch teams.
- ✓ Ensure compliance with banking recovery guidelines.
- ✓ Track and improve portfolio performance metrics.
- ✓ Prepare MIS reports on recovery performance.
- ✓ Conduct field visits and customer negotiations where required.
- ✓ Achieve monthly and quarterly recovery targets.
💡 Required Qualifications & Skills
🚀 Career Guidance & Interview Insights
To help you succeed, we've compiled original preparation guides, resume keywords, and growth analytics for this category of role.
Working as a Pan-India NPA Collections Roles | RCM / SCM / ACM / Collection Manager gives you an operational bird's-eye view of the organization. You will streamline processes, coordinate resource allocation, eliminate administrative bottlenecks, and ensure smooth day-to-day business execution. This role builds exceptional leadership, organization, and problem-solving skills.
Operations careers focus on coordination and organization. Progression moves from Administrative Coordinator or Operations Associate to Office Manager or Operations Specialist. Experienced leaders advance to Operations Manager, Director of Operations, and strategic executive leadership such as Chief Operating Officer (COO).
Expected Technical & Behavioral Questions:
- Q1: How do you prioritize tasks when multiple departments request administrative support simultaneously?
Answer Tip: Explain categorizing tasks by urgency and impact, setting clear expectations, and utilizing shared ticketing or task boards. - Q2: Tell us about a time you optimized an inefficient office process.
Answer Tip: Discuss identifying paper-heavy delays, digitizing approvals, saving company hours, and obtaining positive team feedback. - Q3: How do you manage vendor relationships and negotiate contracts?
Answer Tip: Talk about conducting multi-vendor bidding, validating service level agreements (SLAs), building long-term goodwill, and regular performance audits.
To pass automated ATS (Applicant Tracking System) screening and catch the recruiter's eye, tailor your resume with the following tips:
- Keywords to include: Vendor Management, Facility Operations, Inventory Control, Process Optimization, Scheduling, Resource Allocation, Procurement, SLA management.
- Format: Structure your experience chronologically, starting with your operational achievements and process improvements.
- Quantify Results: E.g., 'Negotiated vendor contracts, reducing corporate facility expenses by 12% without reducing service frequency.'
Estimated compensation for this role type in India is ₹3,60,000 - ₹6,50,000 per annum. The actual salary package offered depends on factors such as company size, work mode (remote or on-site), individual technical proficiency, and negotiations during final HR rounds.
To boost your professional profile, look into: Project Management Professional (PMP), CAPM from PMI, Certified ScrumMaster (CSM), or advanced business communications and spreadsheet management credentials.
Frequently Asked Questions
Q1. What experience is required for this role?
A: Candidates must have relevant experience in Secured NPA Collections.
Q2. Are both secured and unsecured portfolios included?
A: Yes, the role involves handling both secured and unsecured NPA portfolios.
Q3. Which locations are available?
A: Multiple locations across India including metro and non-metro cities.
Q4. What roles are open?
A: RCM, SCM, ACM, and Collection Manager positions.
Q5. Is team handling required?
A: Yes, for RCM/SCM roles, team management experience is preferred.
Q6. What is the main responsibility?
A: Managing NPA recovery and improving portfolio performance.
Q7. Is banking experience mandatory?
A: Yes, prior experience in banking/NBFC collections is required.
Q8. What skills are important?
A: Negotiation, recovery management, portfolio analysis, and communication skills.
Q9. How can candidates apply?
A: Interested candidates can send their CV to the email below.
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