Role Profile
Role Title: Territory Recovery Manager

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ROLE SPECIFICATION
Role Title
Territory Recovery Manager
Employee Interviewed

Reports To
RRM – Recovery
Company
Muthoot Fincorp Limited
Function/Department
Secured & Unsecured Lending Business / Recovery
Written By
Samyukt
Approved By (Jobholder)

Approved By (Immediate Superior)

Date (Written On)
10th Dec’24

ROLE SUMMARY

The role involves overseeing and managing the recovery and continuity of operations within a specific geographic. He will be responsible for managing a team of Area recovery managers, developing and implementing effective recovery strategies, and ensuring compliance with regulatory requirements.
.

ORGANIZATIONAL CHART

KEY RESPONSIBILITIES

Portfolio Management
Develop and implement effective recovery strategies to minimize losses and maximize recoveries, in line with organizational policies and regulatory requirements.
Continuously review and improve recovery processes, identifying opportunities for efficiency gains and cost reductions
Oversee a portfolio of business loans,



identifying potential risks and opportunities for recovery, and developing targeted recovery plans.
Stakeholder Management
Engage with internal stakeholders, including sales, and risk teams, to ensure alignment and effective communication.
Interact with customers to negotiate repayment plans, settlements, and other recovery-related activities.
Compliance Management
Ensure compliance with regulatory requirements, organizational policies, and industry standards.
Data Management
Provide regular reports and analysis on recovery performance, including metrics such as recovery rates, days to recover, and loss given default.

KEY CHALLENGES
- Technology Challenges – M Collect Tool
- Lack of technology support (Cibil tool)

KEY DECISIONS TAKEN

NA

KEY INTERACTIONS
Internal Stakeholders
External Stakeholders

Sales,
Legal,
Operation,
Audit

Customers, Police dept, Legal

KEY ROLE DIMENSIONS

Geographical Coverage-
No

📌 Territory Recovery Manager (Bengaluru)
🏢 Muthoot Fincorp
📍 Bengaluru