Customer Assistance Manager-Consumer Durables-Hardship Assistance Unit

Kotak Mahindra Bank Ltd; Dadri; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Kotak Mahindra Bank Ltd invites a dynamic Portfolio Manager to oversee collections and asset recovery for retail loan portfolios. The role blends strategic oversight with hands-on field activity to improve recovery outcomes.

You will monitor collection efficiency, coordinate with agencies and field executives, supervise repossession and asset sales, and align processes with legal and regulatory norms. The ideal candidate has leadership experience, strong analytics, and the ability to train teams

Qualifications

• Experience in collections and asset recovery.
• Ability to coordinate with legal teams and agencies.
• Experience in managing field staff and repossession.
• Knowledge of regulatory norms and bank policies.

Responsibilities

• Monitor and improve collection efficiency across retail loan portfolios.
• Coordinate with external agencies and field executives for timely follow-ups.
• Oversee repossession activities and sale of repossessed assets to maximize recovery.
• Collaborate with legal teams to action and follow up on legal actions and ensure regulatory compliance.

Skills

Collections management

Team leadership

Legal coordination

Field coordination

Job description

We are looking for a dynamic and experienced Portfolio Manager to oversee collections and asset recovery for retail loan portfolios. The ideal candidate will have a strong background in collections, team management, and legal coordination, with the ability to operate both strategically and on the ground.

Collections Management:

• Monitor and maintain collection efficiency across assigned portfolios.
• Ensure timely follow-ups and resolution of delinquent accounts.
• Analyze collection trends and implement corrective actions.

Repossession & Recovery:

• Manage repossession activities in coordination with repossession agents.
• Oversee the sale of repossessed assets to maximize recovery.
• Ensure compliance with legal and regulatory requirements during repossession.

Agency & Field Coordination:

• Liaise with external collection agencies and field executives.
• Provide training and guidance to the collections team.
• Conduct field visits when necessary to support recovery efforts.

Legal & Compliance:

• Coordinate with legal teams for initiating and following up on legal actions.
• Ensure all documentation and processes are in line with bank policies and regulatory norms.