Area Collection Manager - Two Wheeler Loans - Soft Bkt

SkillLabs; Kolkata District; In loco; INR 1.200.000 - 1.800.000; Tempo pieno

Descrizione del lavoro

SkillLabs in India is seeking an experienced Collections Manager to lead a team of Collection Managers and DMAs, driving performance across arrears resolution and bucket-wise metrics.

The role focuses on agency management, data accuracy, and continuous improvement of field operations, with monthly performance reviews and alignment to payout and compliance procedures across the network.

Competenze

• 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.

Mansioni

• Managing the collections through team of Collection Manager and DMAs.
• Responsible for the collection's performance on various collection parameters such as arrear resolution and bucket-wise resolutions, including 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 against allocated collection targets.
• Monthly review of agency performance, addressing underperformers, DMAs (off rolls) & agencies, and evaluating/empaneling new agencies/DMAs for collection.
• Ensuring periodic billing and payout processing for agencies/DMAs as per approved payout grids.
• Periodic evaluation/correction of field capacity per the Average Collection Ratio (ACR).
• Ensuring smooth execution of strategies/drives planned by HO/RO for day-to-day collection improvement.
• Repo kit requirement, monitoring repo stock inventory and adherence to repo processes.
• Liquidation of eligible repo assets in coordination with brokers and HO team; collecting payment for approved sale cases.
• Periodical receipt book/HHTs and mobile app codes requests for agencies; monitoring deposition of collection amounts and action against non-adherence.
• Initiation of appropriate legal actions in chronic default cases in coordination with local legal team members.
• Daily productivity MIS should be maintained and shared with higher management with analysis.
• Monthly team meeting at hub location for performance review and target setting for the next month.
• Managing customer service escalations for collection issues and providing inputs on geo limits and negative areas in handled geographies.
• Escalation of sales-related issues for delinquent cases with ASMs on a day-to-day basis.

Conoscenze

Collection management

Team leadership

Data management

Descrizione del lavoro

Job Responsibilites

• Managing the collections through team of Collection Manager and DMAs
• Responsible for the collection's performance on various collection parameters such 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