Job Requirements

About the Role
The Area Debt Manager – Call Centre is responsible for managing a team and coordinating operational recovery activities for a credit portfolio within an assigned territory. This includes administering corporate policies and procedures to minimize front-end delinquencies. The role involves close collaboration with the legal team to obtain sound legal advice on managing delinquencies. The role bearer holds end-to-end responsibility for collections in the allocated area, contributing to the bank’s broader organizational objectives. This is a critical role with direct impact on the financial institution’s budget planning.

Key Responsibilities
Primary Responsibilities
• Handle collections for specific products in the assigned area.
• Ensure collection efficiency and manage the cost of collections.
• Track and control delinquency bucket-wise and DPD-wise, with a focus on non-starters.
• Review account allocations and set collection targets by bucket for agencies and in-house teams.
• Follow up regularly with defaulting customers through a dedicated team.
• Ensure adherence to legal guidelines by collection agencies and executives.



Secondary Responsibilities
• Manage productivity by setting parameters for in-house teams, agencies, and collection executives, and monitor performance daily.
• Ensure adequate 'Feet on Street' availability area-wise, bucket-wise, and segment-wise.
• Conduct detailed background and reference checks for appointed agencies and DCTs and evaluate them regularly.
• Collaborate with the legal team to initiate legal action on specified cases.
• Build relationships with key clients to ensure timely collections.
• Determine suitable tactics and strategies for timely collections. What We Are Looking For Education
• Graduation
- Any graduate. Experience
• Minimum of 5-10 years of relevant experience. Skills and Attributes
• Robust leadership and team management skills.
• Excellent communication and interpersonal abilities.
• Sound understanding of collection processes and legal guidelines.
• Ability to analyze data and make strategic decisions.
• Proficiency in monitoring performance metrics and productivity parameters.

📌 Area Debt Manager-Call Centre (Ludhiana)
🏢 IDFC FIRST Bank
📍 Ludhiana