Agency Manager-Collections Micro Banking

• Agency Manager-Collections Micro Banking
• Company: Ujjivan Small Finance Bank Ltd.
• Job Location: Bengaluru, Karnataka, India
• Employment Type: Full-time
• Experience Required: 1+ years
• Salary: 9L12L a year
• Job Details
• POSITION DESCRIPTION
• JOB TITLE :
• Agency Manager-Collections Micro Banking
• GRADE :
• DM-II
• DEPARTMENT : Collections
• LOCATION : Cluster
• SUB-DEPARTMENT :
• Micro Banking
• TYPE OF POSITION : Full-time
• REPORTS TO :
• Area Collection manager
• REPORTING INTO
• NA

ROLE PURPOSE & OBJECTIVEThis role is vital as it is end to end vendor management, agency shall be handling both NPA & Write-off accounts, key area consists of agency man power handling, proper allocation, daily recovery & audit management as per company normsManaging recovery through the set of agency team, coordinating between agency and company, sharing necessary details to agency, daily cash handling & ensure timely payout releaseIn absence of this position, the above few critical aspects would not be monitored closely which is a must in agency managementSIZE OF THE ROLE

• FINANCIAL SIZE
• NON-FINANCIAL SIZE
• Portfolio Managed 3k accounts with 60 cr. portfolio
• Number of vendors/ consultants one or more as per the area allotted
• Number of portfolio products Micro BankingKEY DUTIES & RESPONSIBILITIES OF THE ROLE
• Business/ Financials (Only Relevant roles)
• Planning & Strategy
• Responsible of handling entire collection agencies operation
• Onboarding of new agencies as per area portfolio in delinquency
• Planning of allocation and proper distribution of portfolio with strong execution
• Ensure the recovery targets are metMaintaining of account wise strong feedback mechanism
• Drive collection strategy as per the portfolio and area understanding
• BudgetingTo work on increasing the productivity
• Need to work on cost to recovery ratio and ensure cost low at anytime
• Manpower Planning & Sales Planning
• Proper manpower planning as per portfolio in the given area
• Plan agency/team wise targets to achieve the monthly targets
• Core Function Areas of Responsibility(AORs)Ensure proper allocation for agency teams and drive for productivity
• Ensure regular field visits along with the agency teams for better control
• Provide all necessary legal action support to agency to perform better
• Ensure collection software utilization if any at the fullest extent
• Customer (Both Internal & External)
• Customer centric AORsRegular contacts with customers on daily basis and also ensure skip tracing for prevention of loss
• Ensure and maintain fair collection practice from agency staffs
• Stakeholders interactions
• Coordination with IT, Business, credit, vigilance, operations and collection back end teams
• Internal Process
• Compliance to SLA/Policies/Processes
• Responsible and adhere to onboarding process as defined by the company
• Periodic agency review and submit the report to seniors
• Ensure Renewal of agreement & all other regulatory aspects regularly
• Process Management/ Process Excellence
• Ensure in adhering the fair practice code of conductTo ensure and complete all the necessary process on monthly basis as defined
• Innovation & Learning
• People Management
• Ensure required manpower is deployed time to time in agencyTo ensure all the agency staffs are DRA certified within the stipulated time
• Ensure agency and teams are attending all other trainings as arranged by the company on regular basisMINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
• Educational
• Qualifications
• Graduate, PGDM/ MBA from a Tier 2 or 3 college preferredExperience
• Field experience handling a team in Collections at least for >1 yearCertifications
• Not requiredFunctional Skills
• Team management
• Fluent in communicating local language
• Need the team to drive by examples through regular field visits & needs strong executions of strategies
• Possess tenacity in meeting targets.
• Take responsibility of effectiveness and timely completion of work.
• Planning, organizing and time management skill. Should have the ability to prioritize.
• Behavioral Skills
• Strong communication skills with the ability to communicate directly with field staff & customers.
• Local language skills will be preferredKEY INTERACTIONS
• INTERNAL
• EXTERNAL
• Vigilance Managers
• Customer & family members
• Branch Manager and Staffs
• Third party Agents
• Tele callers & Back hand credit collection team
• Police personals
• Operations Manager
• Legal Manager
• PREPARED BY
• DATE
• REVIEWED BY:
• Collection Team
• DATE: 02-02-2024
• LAST UPDATED BY:
• TM Team
• DATE: 02-02-2024 .