Agency Manager-Collections Micro Banking

Ujjivan Small Finance Bank; Erode; On-site; INR 1,100,000 - 1,800,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in India seeks an Agency Manager-Collections Micro Banking to lead end-to-end agency management at cluster level. You will oversee recovery across NPA and write-off accounts, appoint and manage agency teams and ensure timely payout releases.

Responsibilities include onboarding agencies, planning portfolio allocation, achieving monthly targets, and ensuring compliance with policies. Graduate/MBA with 1+ year field experience in collections is preferred.

Qualifications

• Graduate/MBA from a Tier 2 or 3 college preferred.
• Field experience in Collections with team handling for 1+ year.
• Fluent in communicating local language and strong execution mindset.

Responsibilities

• Manage end-to-end agency collection operations and onboarding.
• Plan allocation of portfolio to agencies and drive recovery targets.
• Ensure regular field visits, skip tracing, and timely payouts.
• Maintain SLA/compliance and renew agreements with agencies.
• Coordinate with IT, operations, credit and vigilance teams.

Skills

Team management

Local language fluency

Field visits

Strategy execution

Planning

Time management

Education

Graduate/MBA

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
NA

• 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

• Strong communication skills with the ability to communicate directly with field staff & customers.
• Local language skills will be preferred

KEY INTERACTIONS
INTERNAL
EXTERNAL
Vigilance Managers
Customer & family members
Branch Manager and Staffs
Third party Agents
Tele callers & Back hand credit collection team
Police personals
Operations Manager
Legal Manager
PREPARED BY
DATE
REVIEWED BY: Collection Team
DATE: 02-02-2024
LAST UPDATED BY: TM Team
DATE: 02-02-2024