Manager - DSMG

Tata Capital; Ernakulam; On-site; INR 279,000 - 446,000; Full time

Job summary

Tata Capital is seeking a collections professional in India who will manage assigned area collections, track NPAs and drive recovery within policy, ensuring legal compliance and a strong focus on customer satisfaction.

The role requires coordinating with field teams, vendors and the legal team to maintain SLAs and payments, while pursuing initiatives to improve revenue and reduce delinquencies.

Qualifications

• Experience in collections and portfolio management.
• Ability to monitor NPAs and ensure recovery within defined budgets.
• Skills to resolve customer issues with timely responses.

Responsibilities

• Handle collections for the assigned area and achieve collection targets on resolution, flows, credit cost and roll rates.
• Ensure that NPAs are kept within assigned budget and minimize it.
• Increase fee income and develop initiatives to control vendor payouts.
• Conduct asset verifications and possession as per SARFESI / Section; process through court receivers.
• Track & control delinquency of the area (Bucket & DPD wise) and focus on nonstarters.
• Ensure customer satisfaction by quick resolution of customer issues within specified TAT.
• Build relationships with key clients to ensure timely collections and monitor defaulting customers with regular follow-ups.
• Represent the organization before legal/statutory bodies and ensure compliance with legal guidelines.
• Allocate work to field staff and ensure agencies perform per SLA; ensure payments and audit receipts deposit within SLA.
• Ensure adequate Feet on Street area-wise and obtain daily updates from collection executives on delinquent portfolios.

Skills

Collections management

Delinquency tracking

Vendor liaison

Customer service

Education

Post Graduate/Graduate in any discipline

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 intiatives 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

Qualification : Post Graduate/Graduate in any discipline