Role Purpose:

Responsible for leading team of Regional Managers for effectively conducting field collection Processes and deliver on portfolio performance.Role Accountability:Manage portfolio (Multiple Due Stages) performance through a team of Regional Collections Managers & ACMs, in line with Operating Plan.Ensure appropriate infrastructure and resource availability to carry out collections as per operating planFormulate collection strategies for the zonal cluster basis market dynamics, portfolio spread/segmentation and business requirementsIdentify critical/non performing segments and ensure appropriate legal hardship tools are applied to them for satisfactory resolutionConduct regular performance review with all vendors, Agency Managers & Regional Collections Manager for all critical metrics to track the portfolio health and ensure healthy processMonitor field collections by bucket/vintage/region to ensure cost adherence in operations and achieve cost efficienciesEnsure adherence to Compliance Policy, Collections processes and Audit requirements,



Code and conduct and maintaining standards to achieve customer satisfactionEnsure proper recourse mechanism is followed to resolve customer complaints in a timely and satisfactory mannerEnsure 100 % SVCL coverage at all vendor locations of the ZoneEnsure monthly cost provisions are reported to Finance team as per timelinesIdentify upcoming markets in accordance with the Sales growth plan and evaluate setting up/expanding operations basis volumes; Raise timely red flags on sourcing quality in new markets ensuring portfolio hygieneParticipate strategically and tactically in development and implementation of portfolio treatments to maximize collection for the portfolio and increase resolution/extractionPerform peer benchmarking to create competitive infrastructure and deliver best in class performance on key metrics such as Credit Recovery as a percentage of Principle Credit Charge offs, Gross write-off, GNPA rates, Settlement loss rates, rate of recovery

Measures of Success:Portfolio CoverageGNPA (Gross Non Performing Asset) Rate and Value30+ and 90+ Delinquency rate30 to write off POF (Product of Flows)GWO (Gross Write Off)Cost of collectionSettlement waiver rateAbsolute RecoverySettlement waiver rateCost of collectionExtraction rateCAPE managementRORAbsolute recovery/ACMRegulatory Customer complaint %Process adherence as per MOU

Technical Skills / Experience / Certifications:

Credit Card knowledge along with positive understanding of Collection Processes

Competencies critical to the roleAnalytical AbilityStakeholder ManagementProblem SolvingResult OrientationProcess Orientation

Qualification:

Post-Graduate / Graduate in any discipline

Preferred Industry:

FSI

📌 Deputy Vice President - Zonal Collections Manager (North) (Mumbai)
🏢 Sbi Card
📍 Mumbai