Job Description

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About Retail Portfolio Management Group
The RPMG department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the receivables/collections business of the bank
About the Role
The Zonal Manager handles multiple vendors which handle across bucket portfolio for MFI Loans. The Zonal manager ensures bucket resolution and manages the portfolio as per the existing process. The Zonal Manager also ensures compliance with the audit procedures of the bank.
Key Responsibilities
Achieve the required resolution target as per the business requirement.
Ensure minimum forward flow to the next bucket.
Timely allocation, billing confirmation, regular customer visits.
Inventory management basis quarterly targets/ risk benchmarks @ 30DPD+, 90DPD+ & 180DPD+
Net NPA Performance against the targets for the month.
Recovery Target for the month - Bharat Banking
Gross Slippages & Inventory management basis resolution targets.
NPA Recovery / Upgrade for the month
Legal Filling, Coverage & Execution.
Manage outsourced staff /vendors and ensure achievement of the monthly resolution targets.
Ensure adherence to the set process and audit requirements in place.
Create a performance-oriented environment leading to high employee motivation and productivity.
Ensure that all staff are adequately trained on the products of the bank, processes, and various policies of the bank
Qualifications
Optimal qualification for success on the job is:

• Graduation/ Post-Graduation from a recognized institute
• Min 5 years of relevant experience in NBFC/ Banking industry
• Good Experience of managing Zonal level portfolio
• Extensive geographical knowledge and market

Role Proficiencies:
For successful execution of the job, the candidate should possess the following:

• Knowledge and understanding of Zonal level collections and market dynamics.
• Excellent vendor management skills.
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language
• Ability to manage complex client situations.
• Ability to manage, motivate and inspire team.
• Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment
• Ability to handle pressure and meet deadlines

Skills:
Refer to the
About Company:
Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The Bank has a large footprint of 4,594 domestic branches (including extension counters) with 11,333 ATMs & 5,710 cash recyclers spread across the country as on 31st March, 2021. The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021.The Overseas operations of the Bank are spread over eight international offices with branches at Singapore, Dubai (at DIFC) and Gift City-IBU; representative offices at Dhaka, Dubai, Abu Dhabi, Sharjah and an Overseas subsidiary at London, UK. The international offices focus on Corporate Lending, Trade Finance, Syndication, Investment Banking and Liability Businesses