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Job Title:
Collections Manager – Retail Asset Collections (CTG Suite)
Job Details:
Business Unit: Collections
Team: CTG Suite
Reports to: Area/Regional Collections Manager
Location: Pan India
Role Type: Individual Contributor
No of direct reportees: Nil
Travel Required: Light/Moderate
Job Band Range: E1 – E4
JD Created date: 13-12-2018
JD Updated date: 13-12-2018
Version No: 2.0
Job Purpose:
Manage and deliver on key portfolio indicators, devising and implementing strategies to achieve resolution rates as per targets.
Execute collection strategies implemented by ACLM/RCLM/ZCLM.
Ensure collection efficiencies and digital payments targets are achieved.
Ensure adherence to all laid down processes without deviations, with checks and balances for smooth process adherence.
Liaise with other functions and departments such as sales, credit, operations, and RIC.
Job Responsibilities:
Receivables Management: Manage and deliver portfolio indicators including 30+ delinquency, NPA management, recoveries; monitor bucket-wise resolutions and rollbacks; manage bucket inventory; monitor collection efficiencies; maximize intensity/coverage on accounts; maximize recoveries via settlements/repossessions; maximize fee income on matured/delinquent accounts; ensure timely agency allocation.
Process Management: Judiciously empanel agencies post market checks/feedbacks; submit agency process tracker within deadlines; manage yards for repossessed assets; maintain repossession kits as per guidelines; issue ID cards for DRAs; adhere to asset secure/repossession guidelines; upload regular trails; close ARTS/hygiene items within TAT; monitor delay in deposits/reconciliations; monitor HHT usage/updations; close CRMs within TAT post complaint resolution.
Portfolio Feedback: Provide regular portfolio feedback to stakeholders; highlight overall business environment/customer specific issues; provide regular feedback on negative areas/profiles; monitor and highlight non-starters.
Digital Payments Penetration: Maximize digital payments; educate customers on digital payments; highlight ECMS to customers for ease of payment updation.
Personal Development: Build healthy working relationships with peers, superiors, and customers; share best practices with team members; take personal initiatives regarding portfolio control, customer response; manage time effectively; attend training programs.
Educational Qualifications:
Graduation
Post-Graduation
Key Skills:
Collections & Process Knowledge
Communication
Knowledge of Competition & Current trends in financial Industry
Experience Required:
Minimum 2 years of experience
Exposure to collections industry preferable
Major Stakeholders:
Customers
Branch Banking Team
Operations
Credit
Sales
RIC
Legal
Process
Collections Mgr- CTG · HDFC Bank