Degree Level: Bachelor's DegreeJob Description: Key Responsibilities: 1. Portfolio Management:Manage the Bkt 1 to Bkt 3 collection portfolio for Motor Finance in the assigned area.Monitor delinquency trends, flow rates, and roll forwards.Ensure daily follow-ups, field collections, and customer engagement are happening effectively. 2. Team Leadership:Manage and guide a team of Collection Executives/Agencies.Set performance benchmarks and review field performance through regular meetings.Ensure adequate manpower and training for collection field staff. 3. Agency & Vendor Management:Handle empanelment, onboarding, and performance tracking of collection agencies.Conduct monthly agency audits and compliance checks.Resolve escalations and disputes between agency and customers. 4. Customer Interaction & Resolution:Ensure timely customer outreach for repayments.Resolve disputes and concerns that may lead to non-payment.Escalate high-risk or sensitive cases as needed. 5. Compliance & Risk:Ensure collections are conducted within RBI and company guidelines.Monitor and report any unethical behavior or deviation from SOPs.Maintain accurate MIS and field activity logs. 6. Performance Metrics:Recovery rate (bucket-wise)Flow rate (Bkt 1 → Bkt 2, etc.)Resolution rate within TATAgency performance scoresCompliance and audit scores Key Skills & Competencies:Strong understanding of retail lending and collections (especially Motor Finance)Experience in managing early bucket collections (Bkt 1 to 3)Good interpersonal and negotiation skillsKnowledge of local geography and customer profileAbility to manage teams and external vendors effectivelyAnalytical and data-driven approach to portfolio management Qualifications & Experience:Graduate/Postgraduate in any discipline (MBA preferred)5-8 years of experience in Collections, preferably in Motor Finance or unsecured lendingExperience in handling early buckets (ST delinquency - Bkt 1 to 3) Working Conditions:Field-intensive role, requiring regular travel within assigned areaMay involve extended hours depending on recovery situations
