Role & responsibilities

Portfolio & Recovery Management

- Manage the regional secured collections portfolio for B3+ delinquent accounts across Home Loans, Loan Against Property (LAP), and other secured lending products.
- Drive recovery strategies for high-risk and chronic delinquent accounts.
- Monitor and control portfolio flow into NPA while maximizing recoveries from existing NPA accounts.
- Develop bucket-wise action plans and resolution strategies to improve collection efficiency and recovery rates.

NPA & Resolution Management
- Formulate and execute recovery strategies for NPA accounts.
- Drive settlements, restructuring recommendations, and recovery campaigns as per policy.
- Ensure timely action on high-value delinquent and stressed accounts.
- Track and review recovery pipelines to achieve regional recovery targets.

Legal & Enforcement Actions
- Oversee SARFAESI, DRT, arbitration, repossession,



and auction-related activities.
- Coordinate with empaneled advocates, legal teams, and enforcement agencies for recovery actions.
- Ensure timely possession, asset disposal, and recovery proceedings for secured assets.
- Monitor legal recovery performance and turnaround timelines.
- Agency & Vendor Management

Preferred candidate profile
- 12-15 years of experience in Collections and Recovery within Banking/NBFC/Housing Finance.
- Minimum 5 years of leadership experience managing secured collections portfolios.
- Robust expertise in B3+, NPA management, legal recoveries, SARFAESI proceedings, repossession, and asset disposal.
- Proven experience handling secured asset portfolios and multi-location teams.

📌 Regional Head - Secured Collections (Hubballi)
🏢 Jana Small Finance Bank
📍 Hubballi