Key Responsibilities:

Strategy & Leadership
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

📌 Recovery Head (New Delhi)
🏢 TalentXplore
📍 New Delhi