Manager - DSMG

Tata Capital; Malda; On-site; INR 350,000 - 520,000; Full time

Job summary

Tata Capital is seeking a Collections professional to manage assigned area collections, control NPAs, and improve fee income while ensuring compliance with SARFESI and regulatory guidelines.

You will coordinate with field teams to ensure SLA adherence, monitor delinquency buckets, and maintain strong client relationships for timely recoveries.

Qualifications

• Experience in collections operations and debt recovery.
• Knowledge of regulatory guidelines and SARFESI/Section processes.

Responsibilities

• Handle collections for the assigned area and achieve collection targets on parameters like resolution, flows, credit cost and roll rates.
• Ensure NPAs stay within budget and minimize defaults through active efforts.
• Increase fee income/revenue and develop initiatives to control vendor payouts.
• Conduct asset verifications and possession as per SARFESI/Section with proper documentation.
• Process through court receivers where required.
• Track and control delinquency by bucket/DPD and follow up with nonstarters.
• Ensure customer satisfaction by quick resolution within defined TAT.
• Build relationships with key clients to ensure timely collections and monitor defaults with regular follow-ups.
• Represent the organization before legal/statutory bodies and ensure regulatory compliance by collection team.
• Allocate work to field executives and ensure agencies meet defined SLA with payments and audit receipts.
• Maintain adequate Feet on Street area-wise/bucket-wise and obtain daily updates from collection executives on delinquent portfolios.
• Ensure compliance to Audit/Regulatory bodies and company policies.

Skills

Collections management

NPA control

Vendor payouts control

SARFESI awareness

Legal compliance

Client relationship

Delinquency tracking

SLA adherence

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 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

Qualification : Post Graduate/Graduate in any discipline