Job Requirements
About the Role
The Regional Debt Manager – Flows – Consumer Durable is responsible for managing a team and coordinating operational recovery activities to maintain the credit portfolio of the assigned region. This role involves administering corporate policies and procedures to minimize front-end delinquencies. The role bearer is expected to build relationships within and outside the organization to create value and has end-to-end collection responsibility for the assigned product. This position plays a critical role in contributing to the bank’s organizational objectives and has a direct impact on budget planning.
Key Responsibilities
Primary Responsibilities
Responsible for recovery of the assigned product.
Identify trends from collection metrics through various MIS and analytics, and design action plans jointly with the Strategic Business Head to minimize delinquencies and maintain portfolio health.
Manage productivity by setting parameters for agencies and collection executives, and monitor performance against these parameters.




Classify cases for restructuring or legal recovery, devise action plans, and ensure implementation.
Aggregate competitor policy information and define suitable collection policies and trigger mechanisms for the target customer segment.
Ensure adherence to defined processes and policies when dealing with delinquent customers.
Recommend changes in credit policies and monitoring processes based on NPA trends.
Collaborate closely with business and support teams for speedy issue resolution.
Oversee agency management and analyze feedback.
Supervise recruitment, set KRAs for direct reports, conduct performance appraisals, and monitor overall team KRAs.
Facilitate subordinate development through feedback and regular training.
Secondary Responsibilities
Recommend process changes to improve service efficiency and quality.
Suggest improvements to processes and policies across the Retail Banking business to drive operational efficien

📌 Regional Debt Manager-Flows-Consumer Durable (Chennai)
🏢 IDFC FIRST Bank
📍 Chennai