Area Collection Manager -Three Wheeler Loans

SkillLabs; Bengaluru; Vor Ort; INR 1.200.000 - 1.800.000; Vollzeit

Zusammenfassung

SkillLabs in Bengaluru is seeking a seasoned Collections Head to lead a regional team of DMAs and a Collection Manager. You will drive arrears resolution, bucket-wise recoveries, and performance metrics across the assigned automotive segments.

The role requires extensive experience in managing external agencies, optimizing payouts, and scaling collection strategies. Strong data skills and team leadership are essential to achieve monthly and quarterly targets.

Qualifikationen

• Minimum 5-8 years of collection experience in automotive products (LMV, TW, 3W, LCV, MCV, HCV).
• Experience in managing collection agencies.
• Excellent data management skills.
• Team handling experience.

Aufgaben

• Manage the collections function through a team of Collection Manager and DMAs.
• Monitor performance on parameters: arrear resolution, bucket-wise resolutions, roll forward rates, loan loss provisioning, and penal interest collection for the assigned area.
• Conduct monthly field reviews and quarterly performance reviews for the team against collection targets.
• Oversee agency/DMA performance, identify new agencies/DMAs for empanelment, and ensure payout processing as per grids.
• Review field capacity based on Average Collection Ratio (ACR) and adjust as needed.
• Support execution of strategies to improve day-to-day collection performance as directed by HO/RO.
• Monitor repo stock inventory and ensure compliance with repo processes.
• Coordinate liquidation of eligible repo assets with brokers and HO team and collect payments for approved sales.
• Ensure receipt books/HHTs and app code requests are managed and deposits are tracked.
• Recommend initiation of appropriate legal actions in chronic default cases with local legal team.
• Maintain daily productivity MIS and share analyses with senior management.
• Lead monthly hub meetings for performance review and target setting.
• Handle customer service escalations related to collections and provide input on geo limits and adverse areas.
• Escalate sales-related issues (registration, dealer service) for delinquent cases with ASMs.

Kenntnisse

Collections management

Team leadership

Data management

Performance analysis

Agency management

Billing & payouts

Tools

MS Excel

MIS software

Jobbeschreibung

Job Responsibilities

• Managing the collections through team of Collection Manager and DMAs


• Responsible for the collection's performance on various collection parameters such as a)Arrear resolution b) Bucket wise resolutions (Including the Roll forward rates, Loan loss provisioning, and Penal interest collection for the assigned geographical area.)


• Performance review on field monthly basis and Quarterly performance review of the team of allocated collection targets


• Monthly review (Agency performance, acting against the low performer team members, DMAs (off rolls) & agencies, identifying & suggesting new agencies / DMAs for collection & evaluation & empanelment of these new agencies.


• Ensuring periodic billing & processing of the payouts for the agencies / DMAs as per the approved payout grids.


• Periodic evaluation / correction of the field capacity as per the Average Collection Ratio (ACR)


• Ensuring smooth execution of the various strategies/drives planned by HO/RO for day-to-day collection performance improvement.


• Repo kit requirement, monitoring the repo Stock inventory, compliance to the adhered processes related to repo


• Liquidation of eligible repo assets in coordination with brokers and HO team and collect payment for approved for sale cases


• Periodic requirement of the receipt books / HHTs, mobile app codes requests for the agencies, monitoring the deposition of collection amount by the agencies, action against agencies for non-adherence.


• Recommending for initiation of appropriate legal actions in chronic default cases with co-ordination with the local legal team members


• Daily productivity MIS should be maintained & shared with the higher management along with the analysis


• Monthly team meeting at hub location for performance review & setting the targets for the next month


• Managing the customer service escalations for collection related issues and Providing inputs on the geo limits, negative areas in the geographies handled


• Escalation of sales related issues (registration, dealer service issues, etc.) for the delinquent cases with the ASMs on a day-to-day basis

Required Skills and Experience

• Minimum 5-8 Years of collection experience in any automotive products like LMV,TW,3w,LCV,MCV,HCV


• Experience in managing collection agencies


• Excellent data management skills


• Team handing experience