Customer Assistance Manager_CREDIT CARD-Hardship Assistance Unit_Bharuch

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

Job summary

Kotak Mahindra Bank is seeking 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 timely resolution of delinquent accounts.

The ideal candidate will be field-ready, able to lead a team, and ensure high standards of compliance, operational efficiency, and ethical conduct while aligning with bank policies and regulatory requirements.

Qualifications

• Experience in collections and recovery operations.
• Experience coordinating with external agencies and legal teams.
• Ability to lead a team while ensuring compliance and ethics.

Responsibilities

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

Job description

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.

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.