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Area Manager - Tractor Finance

Area Manager - Tractor Finance

Name: Jobpe
Address: T-Hub, Plot No 1/C, Sy No 83/1, Raidurgam panmaktha, Knowledge City Rd, Hyderabad, Telangana, 500081, IN
Telephone: +91-83339-09630
Price range: Free

Bajaj Finance

10 - 15 years

6 - 10 Lacs

bikaner

Posted:4 hours ago| Platform:

Apply

Skills Required

finance sales portfolio management education risk vendor management management forecasting recruitment business

Work Mode

Work from Office

Job Type

Full Time

Job Description

Area Manager - Tractor Finance
Job Purpose
Plan, organize, and control collections for PLCS Tier II Growth markets for Bucket 0 and Bucket 1 through efficient portfolio management and cost management. Develop forecasts for manpower and collections resolution planning. Duties and Responsibilities

Collection Planning

Develop monthly, six-monthly, and annual collection plans.

Analyze AOP targets and determine aspirational targets; distribute targets across calendar months to increase resolution as per location nuances.

Cascade AOP and aspirational targets across Zone Managers (ZMs) and Regional Collection Managers (RCM).

Review performance (POS resolution and POS flow) region and location-wise to identify underperforming areas and provide course correction inputs to improve collection efficiency.

Forecasting Manpower

Prepare manpower planning forecasts for collections based on business volumes and location requirements.

Engage with PLCS sales and risk teams to understand plans for new locations, sales contests, and business volumes.

Determine impact of business volumes on delinquency and incorporate into manpower planning forecasts.

Portfolio Management

Analyze Account Receivables (AR) to understand FEMI bounce percentage and conduct trend analysis of average percentage movements to evaluate the portfolio.

Identify gaps and process lapses impacting higher FEMI percentages; highlight to Risk team for potential process improvements.

Review loss numbers to ensure adherence to budget targets and AOP; guide team for minimal variance in POS resolution and count level resolution.

Cost Management

Monitor collections cost such as per receipt costing and penalty collections; review higher payouts and impact on collections if deviations occur.

Review collections agency metrics to ensure alignment with company objectives.

Identify and introduce touch-free collections (tele-calling) to lower costs.

Negotiate and finalize tele-calling vendors; monitor penalty collection percentage and drive efforts to improve penalty penetration.

Identify and deepen digital channel penetration for online payments and charges for physical payment pickup.

Vendor Management

Engage with regional and pan-India telecalling vendors to develop relationships and ensure alignment with company expectations.

Review monthly allocation for vendors, day-wise resolution for early resolution, and referrals for non-contactable accounts to field teams.

Conduct discussions with vendor representatives on payouts and performance; visit collection agencies to discuss process lapses and improvements.

Team Development

Implement reward and recognition mechanisms to motivate and engage the team.

Participate in recruitment to identify the right talent for various team positions.

Establish individual performance expectations and regularly review performance.

Identify development opportunities for team members to enhance their functional knowledge.

Required Qualifications and Experience

Educational Qualifications: Post-graduation.

Work Experience: More than 10 years of experience. Strong experience and practical knowledge of collections (including tele-calling and field collection).

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Area Manager - Tractor Finance