- Define and execute collections, recovery, and legal strategy for EV loan portfolios across buckets (early, mid, late, and write -offs).
- Build scalable frameworks for pre -delinquency controls, soft collections, hard recovery, and legal action.
- Act as a strategic partner to Credit, Sales, Ops teams to improve overall portfolio health.
- Drive data -backed decision -making for recovery prioritization and resource allocation.
Collections & Recovery Operations
- Oversee field collections, tele -collections, repossession, and asset tracing across locations.
- Establish explicit SOPs for bucket -wise collection, skip tracing, repossession, auction/resale, and settlements.
- Ensure ethical, compliant, and customer -sensitive recovery practices aligned with RBI and internal policies.
- Monitor key metrics: PAR (Portfolio at Risk), GNPA (Gross Non -Performing Assets), roll rates, resolution TAT, recovery efficiency, cost of collection.
Repo, Asset Management & Resale
- Own end -to -end repossession and resale lifecycle for EV assets.
- Empanel, manage, and audit repo agents, yard operators, valuers, and auction partners.
- Ensure maximum realization through structured resale channels, pricing discipline, and turnaround time control.
Legal & Compliance
- Lead legal recovery actions including SARFAESI (where applicable), arbitration, civil/criminal cases,
and settlements.
- Manage and monitor all legal repossession and recovery cases on a pan -India basis, ensuring timely action, cost control, and effective resolution.
- Ensure compliance with RBI guidelines, fair practices code, and internal governance standards.
- Provide legal inputs on recovery risk, policy improvements, and portfolio structuring.
Team Building & Governance
- Build and scale a high -performance collection and legal team.
- Define KRAs, incentive structures, productivity benchmarks, and review mechanisms.
- Conduct regular audits, field reviews to prevent leakages and misconduct.
Reporting & Stakeholder Management
- Present portfolio performance, risk outlook, and recovery plans to senior management and leadership.
- Drive continuous improvement using analytics, MIS, and digital collection tools.
Requirements
What Makes a Good Candidate
- 10–15 years of experience in collections, recovery, and legal roles within NBFCs, banks, or vehicle finance companies.
- Strong exposure to CV finance, EV finance, or asset -backed retail lending.
- Hands -on experience in field recovery, repossession, auctions, and legal recovery.
- Deep understanding of RBI regulations, recovery laws, and compliance frameworks.
- Proven ability to manage field teams and channel partner ecosystems.
📌 Recovery Head (Collections & Legal) (New Delhi)
🏢 Recognized
📍 New Delhi
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