Degree Level: Bachelor's Degree
: Key Responsibilities: 1. Portfolio Management:
Manage the Bkt 1 to Bkt 3 collection portfolio for Motor Finance in the assigned area.
Monitor delinquency trends, flow rates, and roll forwards.
Ensure daily follow-ups, field collections, and customer engagement are happening effectively. 2. Team Leadership:
Manage and guide a team of Collection Executives/Agencies.
Set performance benchmarks and review field performance through regular meetings.
Ensure adequate manpower and training for collection field staff. 3. Agency & Vendor Management:
Handle empanelment, onboarding, and performance tracking of collection agencies.
Conduct monthly agency audits and compliance checks.
Resolve escalations and disputes between agency and customers. 4. Customer Interaction & Resolution:
Ensure timely customer outreach for repayments.
Resolve disputes and concerns that may lead to non-payment.
Escalate high-risk or sensitive cases as needed. 5. Compliance & Risk:
Ensure collections are conducted within RBI and company guidelines.
Monitor and report any unethical behavior or deviation from SOPs.
Maintain accurate MIS and field activity logs. 6. Performance Metrics:
Recovery rate (bucket-wise)
Flow rate (Bkt 1 ? Bkt 2, etc.)
Resolution rate within TAT
Agency performance scores
Compliance and audit scores Key Skills & Competencies:
Strong understanding of retail lending and collections (especially Motor Finance)
Experience in managing early bucket collections (Bkt 1 to 3)
Good interpersonal and negotiation skills
Knowledge of local geography and customer profile
Ability to manage teams and external vendors effectively
Analytical and data-driven approach to portfolio management Qualifications & Experience:
Graduate/Postgraduate in any discipline (MBA preferred)
5-8 years of experience in Collections, preferably in Motor Finance or unsecured lending
Experience in handling early buckets (ST delinquency - Bkt 1 to 3) Working Conditions:
Field-intensive role, requiring regular travel within assigned area
May involve extended hours depending on recovery situations
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