To manage the collections process at a Regional level, build and manage a best-in-class high efficiency
Collections Team to enable delivery of ECL & NCL parameters. livery of ECL & NCL parameters and to liaise
with in-house and external collections teams and to oversee their activities, ensuring compliance with all
internal policies and relevant regulations.
- Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better
understanding of the scope and scale of the job.
Other Quantitative and
Important Parameters for the
job
Digital Book is a small ticket higher bounce rate book on account
of the construct of the segment and borrower profile
ECL Management – Stage 1 and Stage 2 (feeder for Stage 3)
Provisions to be managed by the incumbent for entire Zone.
Solid vintage in handling the zone /region in debt management.
Ability to conceptualize and effectively execute the various
collections strategies with focus on Small Ticket Collections
Job Context
Collections function carries out monitoring of client wise exposure and portfolio exposure to identify
‘early warning signals’ of stress and to minimize NPAs. This monitoring is done by dedicated teams who
specialize in managing delinquent customers who have come under financial stress due to unfavourable
market events / changes in business patterns and as well as from those customers who have intentionally
stopped payment of dues with mala-fide intentions. It also carries out overdue loan recovery from
defaulting clients.
The Small ticket segment comprises primarily Digitally sourced accounts with ticket sizes ranging 10k – 5
lacs. This role is responsible for enhancing business profitability through effective management of the
delinquent portfolio in the respective zone.
The incumbent will be accountable for field collections for the customers in the region. For this segment,