Agency Manager-Collections Vehicle Finance

Ujjivan Small Finance Bank; Lucknow; Presencial; INR 900.000 - 1.800.000; Jornada completa

Descripción de la vacante

Ujjivan Small Finance Bank Ltd. seeks an Agency Manager-Collections Vehicle Finance to lead end-to-end agency operations in collections. You will coordinate daily recovery, manage field teams, and ensure timely payouts while maintaining strict compliance and audit standards across the vehicle finance portfolio.

The role requires strong people leadership, field presence, and a proven ability to meet monthly targets through effective vendor management and process discipline.

Formación

• Field experience handling a team in Collections for >1 year.
• Graduate, PGDM/MBA from a Tier 2 or 3 college preferred.
• Fluent in communicating local language and strong execution mindset.
• Ability to plan, organize and prioritize with effective time management.
• Willingness to travel for regular field visits and agency onboarding.

Responsabilidades

• End-to-end vendor management of collection agencies per area.
• Coordinate between agency and company for daily recovery and payouts.
• Plan agency targets and ensure monthly recovery targets are met.
• Drive settlements and repossession processes as per targets.
• Ensure compliance with SLA, policies and fair practice codes.
• Lead onboarding of new agencies and manage area portfolio.

Conocimientos

Team management

Local language fluency

Field visits & execution

Tenacity & targets

Accountability & timeliness

Planning & time management

Educación

Graduate, PGDM/ MBA from tier 2/3 college

Descripción del empleo

• 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 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
Business Team
Collections & repossession agencies
Vigilance Managers
Customer & family members
Branch Manager and Staffs
Third party Agents
Tele callers & Back hand credit collection team
Police personnel.
Operations Manager
Legal Manager
PREPARED BY
DATE
REVIEWED BY: Collection Team
DATE: 03-06-2024
LAST UPDATED BY: TM Team
DATE: 02-02-2024