Assistant Manager - Recovery

Portfolio Risk Management:

• Monitor delinquency trends, vintage analysis, and bounce rates across products.
• Proactively manage NPAs within board and regulatory limits.
• Escalate and resolve high-risk accounts timely.

Operations & Team Leadership:

• Lead zonal/regional collections teams, in-house staff, and outsourced agencies.
• Define and track KPIs: bucket-wise resolution %, DPD reduction, cost of collections.
• Foster a culture of performance, accountability, and compliance.

Regulatory & Legal Compliance:

• Ensure adherence to RBI, Fair Practices Code, and NBFC guidelines in collections and recovery.
• Manage SARFAESI, DRT, Insolvency & Bankruptcy Code (IBC) proceedings, settlements, and legal recoveries.
• Oversee third-party vendors (advocates, valuers, recovery agencies) and internal stakeholders for resolution and compliance.

Stakeholder Management:

• Collaborate with Risk, Credit, Operations, Finance, and Legal teams to minimize credit losses.
• Present MIS, dashboards, and portfolio insights to management, board committees, and regulators.
• Process & Technology - Build predictive models, Early Warning Systems, and automation for recovery processes.
• Lead process improvement, policy development, and digital adoption aligned with regulatory and legal frameworks