Customer Assistance Manager_Consumer Durables-Hardship Assistance Unit_Bangalore

Kotak Mahindra Bank Ltd; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Kotak Mahindra Bank Ltd is seeking a dynamic Portfolio Manager to oversee collections, repossession and recovery for retail loan portfolios. The role requires strong leadership, strategic oversight and hands-on field involvement to drive timely recoveries and minimize losses.

You will coordinate with legal teams, external agencies and field staff, ensuring adherence to regulatory norms while optimizing collection efficiency and team performance across portfolios.

Qualifications

• Experience in collections management for lending portfolios.
• Ability to coordinate with legal teams and ensure regulatory compliance.
• Proven leadership and ability to train field staff and external agencies.
• Strong analytical skills to monitor trends and drive corrective actions.

Responsibilities

• Monitor and maintain collection efficiency across assigned portfolios.
• Ensure timely follow-ups and resolution of delinquent accounts.
• Analyze collection trends and implement corrective actions.
• Coordinate repossession activities with agents and oversee sales.
• Liaise with external collection agencies and field staff.
• Coordinate with legal teams to initiate and follow up on actions.

Skills

Collections management

Team management

Regulatory compliance

Legal 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.