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 efficiencies and high-quality customer service.
- Leverage in-house synergies through collaboration with internal stakeholders.
- Ability to screen and identify talents for the org
- Keep the attrition under check

What We Are Looking For

Education

- Graduation: Bachelor’s degree in technology, Mathematics, Commerce, Arts, Science, Biology, Business, Computers, Engineering, or Management.
- Post-graduation: MBA or PGDM.

Experience

- Minimum of 6 years of relevant experience in collections.

Skills and Attributes
- Solid analytical and strategic thinking skills.
- Excellent leadership and team management capabilities.
- Ability to collaborate effectively with internal and external stakeholders.
- Proficiency in using MIS and analytics tools.
- Sound understanding of collection policies and legal recovery processes.
- Excellent interpersonal skills
- Strong EQ and show empathy when the situation demands

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