Customer Assistance Manager_Consumer Durables-Hardship Assistance Unit_Nashik

Kotak Mahindra Bank Ltd; Nashik District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Kotak Mahindra Bank Ltd is seeking a dynamic Portfolio Manager to oversee collections and asset recovery for its retail loan portfolios in India. The role combines strategic oversight with hands-on field and legal coordination to optimize recoveries.

You will lead the collections team, coordinate with repossession agents, train staff, and ensure compliance with banking policies and regulatory norms. This position requires strong experience in collections, risk management, and a hands-on approach

Qualifications

• Experience in managing collections for retail loan portfolios.
• Ability to coordinate with legal teams and regulators.
• Strong analytical and leadership skills.

Responsibilities

• Oversee collections management across assigned portfolios and ensure timely resolutions.
• Coordinate repossession and recovery activities with agents, and maximize asset recovery.
• Liaise with external agencies and field executives to support recovery efforts.
• Ensure legal compliance and alignment with bank policies and regulatory norms.

Skills

Collections management

Team leadership

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.