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Strong employer brand and common mid-level collections role increase candidate competition.
Collections and NPA management rely on retail finance expertise, limiting cross-industry transferability.
Requires domain-specific collections, NPA and legal (SARFESI) expertise despite no explicit years requirement.
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Manage collections operations for assigned area focusing on two-wheeler loan portfolios from bucket 1 to 3 to meet collection targets and control credit costs.
Ensure NPA levels remain within budget through active monitoring of delinquency, customer engagement, asset verification, and initiation of possession under legal processes.
Oversee field collection teams and agencies to maintain SLA compliance, audit adherence, legal requirements, and improve fee income while reducing vendor payouts.
Qualification: Graduate or Postgraduate in any discipline.
Experience Required: Not explicitly mentioned in the JD.
Must have knowledge of SARFESI / Section 9 legal processes related to asset possession.
Role location: Kharagpur (implied by JD title).
Experienced in retail finance collections, specifically with two-wheeler loan portfolios across early delinquency buckets (1 to 3).
Proven ability to manage field collection teams and external agencies while ensuring regulatory and audit compliance.
Skilled at navigating legal and statutory processes related to loan recovery and asset repossession.