Manager - DSMG

Tata Capital; Mumbai; On-site; INR 800,000 - 1,400,000; Full time

Job summary

Tata Capital is seeking a Collections professional in Mumbai to manage assigned area collections, drive target achievement across resolution metrics, flows, and roll rates, and minimize NPAs. The role requires coordinating with field teams, ensuring SLA adherence, and enhancing fee income while controlling vendor payouts.

You will lead delinquency tracking by bucket/DPD, resolve customer issues within defined TAT, and liaise with legal/statutory bodies as needed.

Qualifications

• Experience in collections and recoveries processes is preferred.
• Strong negotiation and client management skills.
• Awareness of regulatory and legal guidelines in collections.

Responsibilities

• Handle collections for the assigned area and achieve targets on resolution, flows, credit cost, and roll rates.
• Ensure NPAs are kept within budget and minimize them.
• Increase fee income and initiate vendor payout control measures.
• Conduct asset verifications and possession per SARFESI/Section.
• Track delinquency by bucket/DPD and focus on nonstarters.
• Ensure quick resolution of customer issues within defined TAT.
• Build relationships with key clients for timely collections and monitor defaults.
• Represent the organization before legal/statutory bodies when required.
• Allocate work to field executives and ensure SLA compliance and deposit of receipts.
• Ensure adequate Feet on Street and update delinquent portfolio daily.

Skills

Client relationship management

Negotiation

Delinquency tracking

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)
  • o Ensure that the NPAs are kept within assigned budget and active efforts are made to minimize it.
  • o Increase the fee income / revenue and develop intiatives to control and reduce the amount of vendor payouts
  • o Conduct asset verifications and possession as per SARFESI / Section
• process through court receivers.
  • o Track & control the delinquency of the area (Bucket & DPD wise) and focus on nonstarters
  • o Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TAT
  • o 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
  • o 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
  • o 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.
  • o 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
  • o Ensure compliance to all Audit / Regulatory bodies as well as policies and procedures of the company

Qualification : Post Graduate/Graduate in any discipline