Portfolio Manager - Retail Assets

Kotak Mahindra Bank Limited; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Kotak Mahindra Bank Limited in Bengaluru seeks a Customer Assistance Manager for the CREDIT CARD-Hardship Assistance Unit to oversee collections and recovery operations in the Retail Assets portfolio.

You will lead a team, coordinate with external agencies, and ensure compliance with bank policies and regulatory guidelines while driving timely resolutions of delinquent accounts. Field visits and team training are part of the role.

Qualifications

• Mid level experience in collections and recovery operations.
• Ability to lead a team and ensure compliance with policies.

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.

Job description

Customer Assistance Manager-CREDIT CARD-Hardship Assistance Unit

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.

• 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.

Experience Level Mid Level