Agency Manager-Collections Vehicle Finance

Ujjivan Small Finance Bank

Himatnagar

On-site

INR 1,200,000 - 1,800,000

Full time

14 days+

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Job summary

Ujjivan Small Finance Bank is seeking an Agency Manager-Collections for Vehicle Finance. The role oversees agency-based collections, vendor onboarding, and field operations to drive recovery across portfolios including micro banking, vehicle finance and personal loan sectors.

The position involves end-to-end vendor management, performance monitoring, and ensuring compliance with company norms. A strong focus on field visits, teamwork and strategic execution is essential.

Qualifications

Graduate, PGDM/MBA from a Tier 2 or 3 college preferred.
Field experience handling a team in Collections at least for >1 year.
Not required certifications

Responsibilities

Plan and oversee entire collection agencies operation.
Onboard new agencies as per area portfolio in delinquency.
Allocate and distribute portfolio with strong execution.
Meet recovery targets across all buckets.
Drive settlements and repossessions as per targets.
Plan manpower and sales for the portfolio area.
Ensure regular field visits with agencies for control.
Provide necessary legal action support to agencies.
Promote effective use of collection software where available

Skills

Team management

Local language

Field visits

Execution of strategies

Target attainment

Time management

Education

Graduate

PGDM/MBA

Job description

POSITION DESCRIPTION

JOB TITLE : Agency Manager-Collections Vehicle Finance

GRADE : DM-II

DEPARTMENT : Collections

LOCATION : Cluster / Branch

SUB-DEPARTMENT : Vehicle Finance

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, Portfolio across DPD buckets, 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

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, Vehicle Finance & Personal Loan

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 across all buckets.
Driving collections of interest, bounce charges & other charges
Maintaining of account wise strong feedback mechanism
Drive collection strategy as per the portfolio and area understanding.
Driving settlements & repossession of vehicles as per targets.
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 seniorsEnsure 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