- POSITION DESCRIPTION

JOB TITLE : Agency Manager-Collections Vehicle Finance GRADE : DM-II

DEPARTMENT : Collections

LOCATION : Cluster / Branch

SUB-DEPARTMENT : Vehicle Finance

TYPE OF POSITION : Full-time

REPORTS TO : Area Collection manager

REPORTING INTO

NA

- ROLE PURPOSE &
- OBJECTIVE

- This role is vital as it is end to end vendor management, agency shall be handling, Portfolio across DPD buckets, NPA &
- Write-off accounts, key area consists of agency man power handling, proper allocation, daily recovery & audit management as per company norms
- Managing recovery through the set of agency team, coordinating between agency and company, sharing necessary details to agency, daily cash handling & ensure timely payout release
- SIZE OF THE ROLE

FINANCIAL SIZE NON-FINANCIAL SIZE
- Portfolio Managed – 3k accounts with 60 cr. portfolio
- Number of vendors/ consultants – one or more as per the area allotted
- Number of portfolio products –
- Micro Banking, Vehicle Finance &
- Personal Loan
- KEY DUTIES &

RESPONSIBILITIES OF THE ROLE

Business/ Financials (Only Relevant roles)

- Planning &
- Strategy
- Responsible of handling entire collection agencies operation
- Onboarding of new agencies as per area portfolio in delinquency
- Planning of allocation and proper distribution of portfolio with robust execution
- Ensure the recovery targets are met across all buckets.
- Driving collections of interest, bounce charges & other charges
- Maintaining of account wise strong feedback mechanism
- Drive collection strategy as per the portfolio and area understanding.
- Driving settlements & repossession of vehicles as per targets.
- Budgeting




- To work on increasing the productivity
- Need to work on cost to recovery ratio and ensure cost low at anytime
- Manpower Planning &
- Sales Planning
- Proper manpower planning as per portfolio in the given area
- Plan agency/team wise targets to achieve the monthly targets
- Core Function Areas of Responsibility(AORs)
- Ensure proper allocation for agency teams and drive for productivity
- Ensure regular field visits along with the agency teams for better control
- Provide all necessary legal action support to agency to perform better
- Ensure collection software utilization if any at the fullest extent

Customer (Both Internal &

- External)

- Customer centric AORs
- Regular contacts with customers on daily basis and also ensure skip tracing for prevention of loss
- Ensure and maintain fair collection practice from agency staffs
- Stakeholders interactions
- Coordination with IT, Business, credit, vigilance, operations and collection back end teams

Internal Process

- Compliance to SLA/Policies/Processes
- Responsible and adhere to onboarding process as defined by the company
- Periodic agency review and submit the report to seniors
- Ensure Renewal of agreement & all other regulatory aspects regularly
- Process Management/ Process Excellence




- Ensure in adhering the fair practice code of conduct
- To ensure and complete all the necessary process on monthly basis as defined

Innovation &

- Learning

- People Management
- Ensure required manpower is deployed time to time in agency
- To ensure all the agency staffs are DRA certified within the stipulated time
- Ensure agency and teams are attending all other trainings as arranged by the company on regular basis
- MINIMUM REQUIREMENTS OF KNOWLEDGE &

SKILLS

Educational

Qualifications

- Graduate, PGDM/ MBA from a Tier 2 or 3 college preferred

Experience

- Field experience handling a team in Collections at least for >1 year

Certifications
- Not required

Functional Skills
- Team management
- Fluent in communicating local language
- Need the team to drive by examples through regular field visits & needs strong executions of strategies
- Possess tenacity in meeting targets.
- Take responsibility of effectiveness and timely completion of work.
- Planning, organizing and time management skill. Should have the ability to prioritize.

Behavioral Skills
- Strong communication skills with the ability to communicate directly with field staff & customers.
- Local language skills will be preferred
- KEY INTERACTIONS

INTERNAL

EXTERNAL

Business Team

Collections & repossession agencies

Vigilance Managers

Customer & family members

Branch Manager and Staffs

Third party Agents

Tele callers &
- Back hand credit collection team

Police personnel.

Operations Manager

Legal Manager

PREPARED BY

DATE

REVIEWED BY: Collection Team

DATE: 03-06-2024

LAST UPDATED BY: TM Team

DATE: 02-02-2024

📌 Agency Manager-Collections Vehicle Finance (Rajkot)
🏢 Ujjivan Small Finance Bank
📍 Rajkot