: Team Member - Collections Strategy | Commercial Vehicles Grade: M4/M5 Experience: 3- 4 years of audit experience in retail and know- how of regulatory compliance.
- Purpose of Role Own end-to-end collection strategy for the CV CE group Delinquency control, and cost of collections.
Key Responsibilities Strategy & Analytics *Design segmentation-based collection strategy: Allocation, Vendor management,
controlling Credit cost.
*Build & deploy EWS models with Risk: DPD 30+ triggers, telematics/GPS inactivity, FASTag drop, fuel card usage dip.
*Optimize channel mix – field, tele-calling, digital nudges, legal, repossession
– for best ROI per segment.
*Stress-test portfolio for external shocks: fuel price, export slowdown,
construction cycles. Prepare contingency dial-up/dial-down plans.
*Set monthly/quarterly targets: GNPA, NPA, Roll-back %, Flow rates, Resolution
%, Recovery %. Team & Capability *Drive R&R;, capacity planning.
Implement digital tools: field app, predictive dialler, AI voicebots, UPI payment links, GPS tracking.
*Ensure 100% compliance with RBI Fair Practices Code, regulatory norms, audit
📌 Team Member-Comm. Bank HO & Support-Process & Policy Compliance Excellence (Mumbai)
🏢 Kotak
📍 Mumbai