Job Description

:

Role/ Job Title - Zonal Debt Manager - Call Centre

Function/ Department - Collections

Job Purpose:

The role bearer has the responsibility to manage a team and co-ordinate the operational recovery activities for maintaining credit portfolio of the assigned region. It entails administering corporate policies and procedures and ensuring the front-end delinquencies are minimized. The role bearer is required to establish relationships inside and outside of the organization on opportunities to create value and has end to end collection responsibility for collections of the assigned product contributing to the larger organizational objectives of the bank. This is a critical role that has a direct impact on the financial institution\'s budget planning.

Roles & Responsibilities:

• Responsible to handle collections of the assigned product.
• Identification of trends from collection metrics through various MIS and analytics, design action plan jointly to minimize delinquencies and maintaining health of the portfolio.
• Manage productivity by fixing parameters and monitor performance against set parameters. Classify cases as those that need to be restructured, recovered through legal intervention - devise an action plan and ensure its implementation.
• Aggregate information about competitor policies, define a suitable collection policy & trigger mechanism for catering to the target customer segment
• Making sure that the team adheres to the defined processes and policies while dealing with delinquent customers.
• Recommend changes in credit policies and credit monitoring process based on trends in NPA\'s.
• Work in close collaboration with the business and support teams for speedy redressal of all issues.
• Drive co-operation with the credit, technology, analytics and risk teams to ensure smooth functioning of business.

Education Qualification:

Graduation: Bachelors in Technology / Maths / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management.

Post-graduation: MBA, PGDM

Experience: 10+ years of relevant experience.

IDFC FIRST Bank