Zonal Manager - Debt Management Services - Consumer

1. Planning
Detailed allocation planning at location level basis new volume booking considering high volume increment in mind
Create adequate capacity on field collections by setting up Collections Agencies doing tele-calling and Field collections through the team in respective locations & drive them for the achieving the targeted numbers. Ensuring proper planning of local level strategies & and effective implementation and execution of the centralized calling unit strategies
To keep an eye on vendor selection who comply compliance policies as well accomplishing required numbers
Set up HUB con, call center to minimize the collection cost
Making detailed collection plans, delegating the targets and developing overall and market specific strategies to recover money
Identifies area of collection process that need improvement and implements an enhanced process that will help ground field more effective.

2. Role & Responsibilities
Formulate collection targets in way of daily, weekly and monthly for each Branch and, employee and drive their implementation
Take daily updates from the collection personnel in all branches in his control, giving daily location wise update to NCM
To manage the delinquent accounts through a team of Regional managers, Cluster Managers and Area managers driving Collections through the Collection agencies and Collection managers.
Engage in development, implementation, review and monitoring of various collection programs and providing training and coaching to continuously upgrade the competency of the team members across levels.
Oversee and manage the functioning of the recovery officers, ACM in the Branches with the support of RCM.
Collaborate with the Call Centre teams, field collection agencies, Sales Teams, Credit Teams, Operation Teams, RCU for various day to day activities in portfolio management; improvement of existing processes, customer disputes redressal
Identification of irregularities in the field. Ensuring analyzing and reporting of identified lapses/ frauds / skips / tough cases and referring to the concerned teams for preventive / curative actions. Giving triggers to the management in terms of risk / skip analysis of various business segments / regions etc through analysis of specific portfolio.
Visiting the assigned geographies and ensuring Portfolio reviews with the collection team, collection Agencies. Analyzing the monthly performance of all the Regional managers, cluster managers and collections managers, their collections agencies on the various parameters critical for achieving the desired set targets.
Co- ordinate with the underwriting team and offer insights for fraud mitigation and underwriting policies
Through the day, track achievement against the plan. Follow up on commitments and speak to concerned team members to double down the efforts and ensure that targets are met.

Required Qualifications and Experience
SKILLS AND KNOWLEDGE
(Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent)

Educational Qualifications
a) Qualifications
Educational Qualifications: Graduation/ Post-graduation in any field
b) Work Experience
Work Experience 7 -12 years of experience maximum
Significant experience in retail lending collections management
People management skills
Target oriented approach
To anticipate & handle challenging circumstances.
Innovative approach