AGM - Regional Credit Lead

Department Icon Audit & Control
Posted: 4 years ago
3-8 years
Asansol
Audit & Control
Work From Office
Full Time

Posted: 4 years ago
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Job Description






Job Req ID: 37896








Location: Asansol, IN








Function: VIBS









About:




Role





Regional Credit Lead (Mob/ NonMobility)







Job Level/ Designation




AGM/ DGM - Regional Credit (Mob/ Nonmobility)







Function / Department





Credit & Collection - VIBS







Location





Kolkata







Job Purpose





Responsibility will be Managing East Cluster for credit activities for entire region.







Key Result Areas/Accountabilities









Cash Flow & Compliance: Improve cash flow & Drive Compliance in Credit Process

  • (1) 100% Bank reconciliation & suspense account posting
  • (2) 100% Refund Compliance / POD updates
  • (3) 100% TRAI and other audit compliance & NCP







Onboarding & Credit Management: To ensure quality of acquisition, minimizing


  • credit risk & control customer retention
  • (1) Governance on Quality of Acquisition
  • (2) Reduction of Fresh flow to Bad Debt from 0-6 month cases
  • (3) Seamless and on time completion of physical verification / 6 monthly verification
  • (4) Accurate Profiling, Assessment and enlistment
  • (5) Risk Analytics of SME and SOHO Penetration
  • (6) Ensuring blacklisting of enterprises with high default







Special Projects: Cost Optimization via process efficiencies, systems, tools & analysis

(1) Green bill penetration

(2) Ensuring Printing TAT, Pick-up Delivery TAT by Courier Agencies & on time delivery


  • of summary bill / bill on CD
  • (3) Reduction of "Bill Not Recevied" complaints, Physical Bill Return & Hard bounce analysis
  • (4) Achieve Banking / Bill Delivery costs







Digital To ensure process mapping, journeys and capabilities in customer and


  • non customer facing digital assets to build customer experience.
  • (1) Adoption of employee platforms – Smart Collect etc
  • (2) 98% Digital payments (All LoBs)
  • (3) Automation / digitization of processes
  • (4) UAT and implementation of new system changes







Credits Operations: Credit monitoring & billing operations.

  • (1) Monitor exposure impact on bad debt
  • (2) Monitoring FRS alerts and actions
  • (3) Monitoring SSC Operations












Core Competencies, Knowledge, Experience






Good Communication


Analytical skills


Data Management


Agency Management


People Management







Must have technical / professional qualifications












Skills

CollectionComplianceGovernanceQualityAssessmentAnalyticsBankingAutomationOperations

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About Company

M-Pesa is Africa's most successful mobile money service. It provides access to financial services to the millions of people who have a mobile phone, but do not have or have only limited access to a bank account. M-Pesa provides people with a safe, secure and affordable way to send and receive money, top-up airtime, make bill payments, receive salaries, get a short-term loan and much more.

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