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.

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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 of Direct Reportees-

Total Team Size –

Loan Account Managed

Portfolio

45- 60 Branches (250 – 400 Kms)

6 -9 ( ARM’s )

6 -8

7000 accounts

5 cr

KEY SKILLS & BEHAVIOURAL ATTRIBUTES

- Knowledge of legal and risk management
- Knowledge of lending unsecured products, processes, and regulations
- Knowledge in data interpretation
- Planning & execution
- Positive communication in local language
- Interpersonal skills, with the ability to collaborate with internal stakeholders and external partners.

EDUCATION / EXPERIENCE

Minimum Qualification: Any Graduate

Nature of Experience: 5+ Years Experience in Recovery / Similar Experience from BFSI

📌 Territory Recovery Manager - SULB KAR (Bengaluru)
🏢 Muthoot Fincorp
📍 Bengaluru