L2 - MC DMS - WB - Kolkata - BACL

Designation
Deputy General Manager
Department
MC DMS
Level
L2
Employment Type
Full-time
Location
Kolkata
Reporting Manager Title
VP
Language
Bengali, HINDI & ENGLISH
Travel
YES
Academic Qualification
Any Graduate/ P.G./M.B.A.
Work Experience
Minimum 10 years of experience
Domain Knowledge (Preferable)
Financial Services/Banking/FMCG/NBF
Key Responsibilities
Responsible for the collections performance on various collection parameters such as Arrear resolution, Bucket wise resolutions including the Roll forward rates, Loan loss provisioning, Collection costs, Penal interest collection for the assigned State/s.
Managing the collections through team of ACMs/CO’s.
Travelling to all the locations within the state on monthly basis to review the performance of each field location.
Ensuring smooth execution of the various strategies/drives planned by HO/RO for day-to-day collection performance improvement. Designing ground level plans for executing the team strategies.
Periodic performance review of the ACMs / CO’s & keeping close control to ensure the achievement of allocated collection targets.
Periodic monitoring of the field capacity as per the Avg. Collection Ratio (ACR) and Monthly review of the state, location, agency performance, acting against the low performer ACMs, COs, DMAs (off rolls) & agencies. Identifying & suggesting new agencies / DMAs for collection &evaluation before empanelment of these agencies.
Ensuring that the ACMs conduct periodic billing & processing of the pay-outs for their agencies / DMAs as per the approved pay out grids &maintaining the data of various collection costs incurred.
Monitoring the liquidation of eligible repo assets and ensuring that the team below collects payment for approved for sale cases.
Monitoring the Periodic requirement of the receipt books/ HHTs, mobile app codes / repo kits for the state. Monitoring the deposition of collection amount by the agencies across the state & ensuring timely action against agencies for non-adherence.
Recommending for initiation of appropriate legal actions in chronic default cases in the state with co-ordination with the Area legal managers.
Monitoring the daily productivity MIS & shared with the higher management along with the analysis for the states.
Managing the customer service escalations for collection related issues for the state & ensuring amicable resolutions in the same.
Providing inputs on the geo limits, negative areas & negative profiles in the various geographies in the states managed.
Escalation of sales related issues (registration, dealer service issues, etc.) for the delinquent cases of the state with the RSMs /CBMs on a regular basis.
Key Skills Required
Soft Skills:
Negotiation skills
Working with others
Relationship Management
Result orientation