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
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.