Customer Assistance Manager-CREDIT CARD-Hardship Assistance Unit

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

Job summary

Kotak Mahindra Bank Ltd. is seeking a Portfolio Manager – Retail Assets in Lucknow to lead collections and recovery operations within the designated area. The role emphasizes repossession oversight, coordination with agencies, legal formalities, and timely resolution of delinquent accounts.

The candidate should be confident, field-ready, and capable of leading a team while upholding high standards of compliance and operational efficiency.

Responsibilities

• Monitor and maintain collection performance across the assigned portfolio.
• Manage repossession activities and coordinate with repossession agents and sales teams for asset disposal.
• Liaise with collection agencies to ensure effective recovery strategies.
• Handle legal formalities related to collections and repossession in coordination with the legal department.
• Conduct field visits as required to support and supervise collection efforts.
• Train and guide the collections team to enhance performance and compliance.
• Ensure adherence to bank policies, regulatory guidelines, and ethical standards in all collection activities.

Job description

The Portfolio Manager – Retail Assets is responsible for managing collections and recovery operations within the assigned area. The role involves overseeing repossession activities, coordinating with external agencies, handling legal formalities, and ensuring timely resolution of delinquent accounts. The ideal candidate should be confident, field-ready, and capable of leading a team while maintaining high standards of compliance and operational efficiency.

• Monitor and maintain collection performance across the assigned portfolio.
• Manage repossession activities and coordinate with repossession agents and sales teams for asset disposal.
• Liaise with collection agencies to ensure effective recovery strategies.
• Handle legal formalities related to collections and repossession in coordination with the legal department.
• Conduct field visits as required to support and supervise collection efforts.
• Train and guide the collections team to enhance performance and compliance.
• Ensure adherence to bank policies, regulatory guidelines, and ethical standards in all collection activities.