Overview
Job: Regional Collection Manager Retail Assets (Pre-NPA & NPA)
Position Title: Regional Collection Manager
Business Vertical: Retail Assets (Auto Loan, CVCE, Personal Loan, Two-Wheeler Loan)
Key Responsibilities:
Portfolio Management:
– Manage and control the Pre-NPA and NPA buckets of Auto Loan, CVCE, Personal Loan, and Two-Wheeler loans.
– Monitor delinquency trends, take proactive measures to reduce roll-forwards, and improve recovery efficiency.
– Achieve regional collection efficiency and resolution targets as per defined KPIs.
Team Management:
– Lead, guide, and mentor a team of 5 on-roll employees (Collection Managers/Officers).
– Ensure the team is aligned with collection strategies, compliance practices, and performance benchmarks.
– Provide regular training and performance reviews to drive productivity and accountability.
Agency & Vendor Management:
– Handle and monitor collection agencies and field executives appointed in the region.
– Ensure agencies adhere to bank policies, code of conduct, and regulatory guidelines.
– Evaluate agency performance through regular audits, reviews, and incentive structures.
Stakeholder Management:
– Work closely with business teams, risk management, and legal departments for effective portfolio resolution.
– Liaise with regional leadership for resource planning, policy feedback, and escalations.