Agency Manager-Collections Micro Banking

Ujjivan Small Finance Bank Ltd.

Bhadravathi

On-site

INR 900,000 - 1,500,000

Full time

4 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. in India seeks an Agency Manager-Collections for Micro Banking to oversee end-to-end agency operations in the collections portfolio. You will manage vendor relationships, drive recovery, and ensure adherence to company norms across NPA and write-off accounts.

The role emphasizes manpower planning, field visits with agencies, and strong execution of strategies to meet monthly targets while maintaining compliance and accurate reporting to Area Collections Manager.

Qualifications

Graduate, PGDM/MBA from a Tier 2 or 3 college preferred.
Experience in field collections and agency management preferred.
Strong communication and leadership skills required.

Responsibilities

Plan and manage entire collection agencies operation.
Onboard new agencies and allocate portfolio for delinquency management.
Drive recovery targets and ensure cost-to-recovery optimization.
Supervise field visits and ensure proper agency productivity.

Skills

Team management

Fluent in local language

Field visits to portfolio

Execution of strategies

Tenacity to meet targets

Education

Graduate, MBA/PGDM from Tier 2/3

Job description

POSITION DESCRIPTION

JOB TITLE : Agency Manager-Collections Micro Banking

GRADE : DM-II

DEPARTMENT : Collections

LOCATION : Cluster

SUB-DEPARTMENT : Micro Banking

TYPE OF POSITION : Full-time

REPORTS TO : Area Collection manager

REPORTING INTO

ROLE PURPOSE & OBJECTIVE

This role is vital as it is end to end vendor management, agency shall be handling both NPA & Write-off accounts, key area consists of agency man power handling, proper allocation, daily recovery & audit management as per company norms
Managing recovery through the set of agency team, coordinating between agency and company, sharing necessary details to agency, daily cash handling & ensure timely payout release
In absence of this position, the above few critical aspects would not be monitored closely which is a must in agency management

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Portfolio Managed – 3k accounts with 60 cr. portfolio
Number of vendors/ consultants – one or more as per the area allotted
Number of portfolio products – Micro Banking

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials (Only Relevant roles)

Planning & Strategy
Responsible of handling entire collection agencies operation
Onboarding of new agencies as per area portfolio in delinquency
Planning of allocation and proper distribution of portfolio with strong execution
Ensure the recovery targets are met
Maintaining of account wise strong feedback mechanism
Drive collection strategy as per the portfolio and area understanding
Budgeting
To work on increasing the productivity
Need to work on cost to recovery ratio and ensure cost low at anytime
Manpower Planning & Sales Planning
Proper manpower planning as per portfolio in the given area
Plan agency/team wise targets to achieve the monthly targets
Core Function Areas of Responsibility(AORs)
Ensure proper allocation for agency teams and drive for productivity
Ensure regular field visits along with the agency teams for better control
Provide all necessary legal action support to agency to perform better
Ensure collection software utilization if any at the fullest extent

Customer (Both Internal & External)

Customer centric AORs
Regular contacts with customers on daily basis and also ensure skip tracing for prevention of loss
Ensure and maintain fair collection practice from agency staffs
Stakeholders interactions
Coordination with IT, Business, credit, vigilance, operations and collection back end teams

Internal Process

Compliance to SLA/Policies/Processes
Responsible and adhere to onboarding process as defined by the company
Periodic agency review and submit the report to seniors
Ensure Renewal of agreement & all other regulatory aspects regularly
Process Management/ Process Excellence
Ensure in adhering the fair practice code of conduct
To ensure and complete all the necessary process on monthly basis as defined

Innovation & Learning

People Management
Ensure required manpower is deployed time to time in agency
To ensure all the agency staffs are DRA certified within the stipulated time
Ensure agency and teams are attending all other trainings as arranged by the company on regular basis

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate, PGDM/ MBA from a Tier 2 or 3 college preferred

Experience

Field experience handling a team in Collections at least for >1 year

Certifications

Not required

Functional Skills

Team management
Fluent in communicating local language
Need the team to drive by examples through regular field visits & needs strong executions of strategies
Possess tenacity in meeting targets.
Take responsibility of effectiveness and timely completion of work.Planning, organizing and time management skill. Should have the ability to prioritize.

Behavioral Skills