Area Debt Manager-Call Centre

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
Strong 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.

Work arrangement
No