Manager - DSMG

Tata Capital; Bhopal; On-site; INR 600,000 - 1,100,000; Full time

Job summary

Tata Capital in India is seeking a collections professional to manage the assigned area, drive timely recoveries, and enforce policy compliance.

The role focuses on reducing NPAs, optimizing processes, and coordinating with field staff to meet SLA, with strong emphasis on stakeholder relations and SARFESI guidelines.

Responsibilities

• Handle collections for the assigned area and achieve targets across resolution, flows, and roll rates.
• Keep NPAs within budget and actively work to minimize them.
• Increase fee income and develop initiatives to control vendor payouts.
• Conduct asset verifications and possession as per SARFESI / Section processes.
• Track delinquency by bucket and DPD; focus on non-starters.
• Ensure quick resolution of customer issues within specified TAT for satisfaction.
• Build relationships with key clients to ensure timely collections and monitor defaults.
• Represent the organization with legal/statutory bodies and ensure compliance with legal guidelines.
• Allocate work to field executives and ensure agencies meet SLA and deposits.
• Maintain Feet on Street coverage area-wise and obtain daily updates on delinquent portfolios.
• Ensure compliance to Audit / Regulatory bodies as well as company policies.

Job description

• Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost and roll rates (depending on the bucket)
• Ensure that the NPAs are kept within assigned budget and active efforts are made to minimize it.
• Increase the fee income / revenue and develop initiatives to control and reduce the amount of vendor payouts
• Conduct asset verifications and possession as per SARFESI / Section
• process through court receivers.
• Track & control the delinquency of the area (Bucket & DPD wise) and focus on nonstarters
• Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TAT
• Build relationships with key clients to ensure timely collections are made and monitor defaulting customers by ensuring regular follow with critical/complex customers to identify reasons for defaulting
• Represent the organization in front of legal/ statutory bodies as required by the legal team and ensure that the collection team adheres to the legal guidelines provided by the law in force
• Allocate work to the field executives and ensure that all the agencies in the location perform as per defined SLA, ensuring payments and audit receipts get deposited within the defined SLA.
• Ensure that there is adequate Feet on Street availability area-wise /bucket-wise/ segment-wise and obtain daily updates from all collection executives on delinquent portfolio & initiate detailed account level review of high ticket accounts
• Ensure compliance to all Audit / Regulatory bodies as well as policies and procedures of the company