Core Roles and Responsibilities

- Hard Bucket and NPA Oversight
- Manage high-risk, long-overdue loan portfolios (hard buckets, typically 90+ days past due or severe delinquency).
- Drive bucket-wise recovery strategies for secured and unsecured lending products (such as vehicle loans, machinery finance, or personal/business loans).

- Field Operations and Agency Management

- Supervise field collection executives, regional officers, and third-party collection/recovery agencies.
- Conduct skip tracing to locate missing, untraceable, or absconding default customers.

- Regulatory Compliance and Ethics

- Ensure all recovery and hard-collection practices strictly adhere to RBI Fair Practices Code (FPC), outsourcing guidelines, and recovery agent rules.




- Prevent abusive or coercive collection tactics to protect the NBFC's brand reputation and mitigate legal/compliance risks.
- Handle customer grievances related to hard collection behavior.

- Portfolio Analytics and Reporting

- Monitor key metrics such as Collection Efficiency (CE), Portfolios at Risk (PAR), roll rates, and Credit Loss/ECL (Expected Credit Loss) numbers.
- Prepare daily, weekly, and monthly Management Information System (MIS) reports for senior leadership and the Board.
- Identify Early Warning Signals (EWS) to prevent performing accounts from slipping into deeper delinquency.

- Team Training and Governance

- Train field and desk staff on negotiation techniques, de-escalation, legal boundaries, and company soft-skills standards.

📌 ACM - Dhanbad
🏢 Aye Finance
📍 Dhanbad