Key Responsibilities :
- Manage and monitor collections for assigned car loan portfolio (early buckets to write-offs).
- Supervise field collection executives and agencies to achieve recovery targets.
- Strategize and implement collection plans to reduce NPAs and improve roll-back rates.
- Ensure adherence to collection policies, RBI guidelines, and code of conduct.
- Analyze collection trends and suggest improvements in processes and controls.
- Coordinate with legal and repossession teams for settlement, arbitration, and auctioning.
- Maintain MIS reports and dashboards for tracking recovery performance.
- Provide feedback to credit and underwriting teams on customer profiles and risk patterns.
Key Skills & Competencies :
Strong understanding of retail asset finance, especially vehicle / car loans .Excellent negotiation, interpersonal, and problem-solving skills.Proficiency in MS Excel and collection management systems.Ability to lead teams and handle pressure-driven targets.Knowledge of legal recovery procedures (e.g., SARFAESI, arbitration) is an advantage.Skills Required
Portfolio Management, Auditing, Compliance