Job title Zonal Manager - Collections, MSME, AHL & Micro-LAP
Reporting to (Grade) Head Collections, MSME, AHL & Micro-LAP
Duties & Responsibilities - Business Planning for the Zone
- Increase collection efficiency by minimizing 1+% delinquency and NPA
- Ensure the development and achievement of short, medium and long-term plans of the collections teams are fully aligned with operational/business strategy, while being cost effective.
- Responsible for continuous process improvement plans.
- Identifying and optimizing income opportunities through penal collections.
- Develop and provide high-quality credit risk related MI, insight and advice to key stakeholders to support informed decision making.
- Responsible for early identification, escalation and mitigation of emerging credit risks.
- Ensuring appropriate control on budget is maintained including resourcing to ensure right balance is struck between driving improved performance and managing costs.
- Ensure alignment of employee levels in line with capacity plans across the team.
- Creating and submitting a quarterly financial forecast for review by management.
- Responsible for operational delivery against approved forecasts/operational budgets effectively and accurately.
- Coach, mentor and develop staff
- Co-ordination with internal and external stakeholders, vendors, fraud unit, risk, new accounts, verification and legal for streamlining & effective collection operations
- People management & Development, hiring, performance management, attrition and retention management.
- Operations compliance & Billing
- Timely identification of Skips/Resolutions/RTP Resolutions
- Portfolio segmentation for increased collection focus
Qualification:
1.Education:
2.Specialization:
3.Skills:
4.Professional Certification (if any):
5.Experience: Graduate/Post Graduate
Competencies: Understanding the business, planning and establishing direction. Executing local and customer strategy. Decision oriented problem solver. Leading Teams. Building sustainable capabilities.
Experience: 10+ years collection experience with atleast two years in a Zonal Role
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