Portfolio & Collections Management
- Manage collections performance across multiple DPD buckets through Vendors/Agencies.
- Ensure achievement of collection targets in line with the operating and process plan.
- Formulate collection strategies based on DPD, market dynamics, portfolio segmentation, and
business requirements.
- Identify non-performing segments and implement appropriate recovery or legal resolution
strategies.
Vendor & Operations Management
- Ensure adequate infrastructure and resource availability across vendor partners.
- Monitor agency tele-calling and field collection operations to achieve operational efficiency.
- Manage hiring, attrition, and shrinkage to ensure uninterrupted operations.
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- Conduct regular performance reviews with vendors, agency supervisors, and callers against
defined KPIs.
Performance & Cost Management
- Monitor field collections by bucket, vintage, and region to optimize collection costs.
- Participate in developing portfolio treatment strategies to maximize recovery and improve
resolution rates.
- Perform peer benchmarking to drive best-in-class recovery performance.
- Ensure timely reporting of monthly collection cost provisions to the Finance team.
Compliance & Customer Experience
- Ensure adherence to compliance policies, collection processes, audit requirements, and the
Code of Conduct.
- Resolve customer complaints through appropriate escalation and resolution mechanisms.
- Ensure 100% coverage of allocated collection cases while maintaining customer satisfaction.
Business & Market Development
- Identify emerging markets aligned with business growth plans.
- Evaluate expansion opportunities based on portfolio volumes.
- Raise timely concerns on sourcing quality to maintain portfolio health.
Measures of Success (KPIs)
- Portfolio Coverage
- GNPA (3.30+ & 90+ Delinquency Rate)
- Gross Write-Off (GWO) Recovery Rate
- Absolute Recovery
- Cost of Collection
- Recovery on Recovery (ROR)
- Settlement Waiver Rate
- Regulatory Customer Complaint %
- Process Adherence as per MOURole & responsibilities
Preferred candidate profile