Recovery Manager - Unsecured Loans

Tata Capital Finance Ltd; Bhopal; Presencial; INR 900.000 - 1.300.000; Jornada completa

Descripción de la vacante

Tata Capital Finance Ltd in Bhopal invites applications for the role of Manager - DSMG - Recovery Unsecured. Based at Alankar Complex, J Grade, you will lead collections in the assigned area, drive resolution, track delinquency, and ensure adherence to SLAs and regulatory guidelines.

The role requires constant collaboration with legal and field teams, managing budgets, reducing NPAs, and delivering quick customer issue resolution within TAT, while maintaining vendor payout controls.

Formación

• Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost and roll rates.
• Ensure NPAs are kept within assigned budget and active efforts are made to minimize it.
• Increase fee income/revenue and develop initiatives to control and reduce vendor payouts.
• Conduct asset verifications and possession as per SARFESI/Section 9 through court receivers.
• Track and control delinquency by bucket/DPD and focus on nonstarters.

Responsabilidades

• Ensure customer satisfaction by quick resolution of issues within specified TAT.
• Build relationships with key clients for timely collections and monitor defaulting customers with regular follow-ups to identify reasons for default.
• Represent the organization in front of legal/statutory bodies and ensure collection teams adhere to legal guidelines.
• Allocate work to field executives and ensure agencies follow SLA; ensure payments/audit receipts deposited on time.
• Ensure feet on street availability area-wise/bucket-wise/segment-wise and obtain daily updates from all collection executives on delinquent portfolio.
• Ensure compliance to Audit/Regulatory bodies and company policies and procedures.

Descripción del empleo

Manager - DSMG - Recovery Unsecured - Recovery - Bhopal - Alankar Complex - J Grade

• o 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 NPA's 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 9 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