Customer Assistance Manager-CREDIT CARD-Hardship Assistance Unit

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

Job summary

Kotak Mahindra Bank Ltd seeks a Portfolio Manager – Retail Assets to lead collections and recovery operations in the assigned area. The role focuses on overseeing repossession activities, coordinating with external agencies, and ensuring compliance with regulatory guidelines while driving efficient asset recovery.

The ideal candidate will lead a team, perform field visits when needed, and maintain high standards of integrity and performance in alignment with bank policy and ethical practices.

Qualifications

• Must have experience in collections and recovery operations.
• Experience coordinating with external repossession agents and sales teams.
• Familiarity with legal formalities related to collections and repossession.

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.

Skills

Collections management

Repossession coordination

Agency coordination

Legal compliance

Field visits

Team leadership

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 reposmission 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.