11 Delinquency Control Jobs

Roles and Responsibilities Lead and manage the collections function for the Farm portfolio across the assigned zone. Formulate and implement strategies to minimize delinquency and optimize recovery performance . Monitor and track collections through a team of Area/Regional Collection Managers, ensuring achievement of zonal targets. Ensure strict compliance with regulatory guidelines, company policies, and ethical collection practices . Analyze portfolio performance, customer behavior, and market dynamics to recommend process improvements. Drive field collections activities including recovery from overdue accounts through effective customer interaction. Liaise with legal, operations, and credit teams for resolution of complex cases. Recruit, train, and motivate the zonal collections team, ensuring high productivity and adherence to process. Manage relationships with external collection agencies/vendors and monitor their performance. Regularly report to senior management on key metrics such as recovery rates, NPA reduction, and risk trends.

The primary objective of the role is to achieve the collections target within the assigned area while strictly adhering to the Standard Operating Procedures (SOPs) and legal regulations in accordance with the organizational policies. The key responsibilities include managing collections for the designated area and meeting the collection targets based on various parameters such as resolution, flows, credit cost, and roll rates as per the specified bucket. It is essential to maintain Non-Performing Assets (NPAs) within the allocated budget and actively work towards reducing them. Monitoring and controlling delinquency levels in the area, categorized by bucket and Days Past Due (DPD), and focusing on non-starters are crucial aspects of the role. Ensuring customer satisfaction by promptly resolving customer issues within the defined Turnaround Time (TAT) is a priority. Developing strong relationships with key clients to facilitate timely collections and closely monitoring defaulting customers through consistent follow-ups, especially with critical or complex cases, to identify the underlying reasons for defaults is essential. Representing the organization before legal and statutory bodies as needed by the legal team and ensuring that the collection team strictly adheres to the legal guidelines mandated by the prevailing laws is a critical aspect of the role. Maintaining adequate field presence area-wise, bucket-wise, and segment-wise, and obtaining daily updates from all collection executives regarding delinquent portfolios, followed by conducting detailed account-level reviews for high-ticket accounts are important responsibilities. Additionally, ensuring compliance with all Audit and Regulatory bodies along with the company's policies and procedures is imperative. The ideal candidate for this position should hold a Graduate degree.,

As an Area Credit Manager-Commercial Vehicle in the Retail Banking sector, you will be responsible for underwriting secured and unsecured loan proposals. Your primary role will involve ensuring that loan applications are processed in adherence to policies and procedures to meet service level agreements and manage business volumes efficiently. You will lead a team of credit underwriters, providing them with necessary guidelines to perform their duties effectively. Additionally, a key aspect of your job will be conducting personal discussions with customers to evaluate their creditworthiness. You will also be required to proactively manage delinquencies by contacting customers upon first presentation and ensuring the completion of credit, KYC documents, and necessary verifications through telephonic, field, and collateral visits. Collaboration with the sales team will be essential to achieve targets and maintain service level agreements. You will need to ensure strict adherence to credit policies and recommend process improvements to enhance operational efficiency and customer service quality in the assigned area. In addition to your primary responsibilities, proficiency in MS Word, Excel, and PowerPoint is required. You should possess a strong work ethic, delivering results within tight deadlines and demanding situations. The role may involve extensive fieldwork and travel across regions at short notice. You should also be prepared to undertake ad-hoc activities as per departmental requirements. Overall, this role offers an opportunity to contribute to driving operational efficiencies, maintaining high-quality service standards, and supporting the Retail Banking business in achieving its objectives.,

As a key member of our team, you will play a crucial role in achieving disbursement targets for the Tractor Loan business by generating leads and fulfilling them through the Open Market and alternate channels. Your responsibilities will also include overseeing a team of Field Officers (FOS) and motivating them to enhance their productivity levels. In this position, you will be tasked with ensuring that target branches meet their goals through necessary conversions and managing profitability alongside the team to drive productivity. Additionally, you will be expected to achieve targets related to cross-selling products and take charge of controlling early delinquency. Your role will involve providing timely feedback and management information system (MIS) reports to seniors, as well as adhering to processes and policies to maintain operational efficiency. Effective cost management and maintaining a healthy portfolio will also be among your key responsibilities. If you are a proactive and results-oriented individual with a passion for driving business success, we encourage you to apply for this challenging opportunity. Join us in shaping the future of our Tractor Loan business and making a meaningful impact in the financial services sector.,

The key objective of the job is to drive the collection process of receivables across multiple sources in order to reduce the total outstanding amount and associated average number of days. The focus is on maintaining client partnerships intact while efficiently managing debt situations. Major deliverables include keeping track of the portfolio for specific buckets within the assigned area, controlling delinquency on a bucket-wise and DPD wise basis, and addressing non-starters. Providing excellent customer service related to collection issues, processing customer refunds, managing account adjustments, writing off small balances, conducting customer reconciliations, and processing credit memos when necessary are also key responsibilities. Ensuring that customer files are updated with communication details, tracing defaulters and assets in coordination with the agency's tracing team, and suggesting remedial actions are part of the role. Identifying defaulting accounts, investigating reasons for default, and maintaining positive customer relationships are crucial tasks. Collaborating with sales and senior management to expedite the collection process, supporting the collection manager in repossessing assets, and seeking legal and police support when required are essential duties. Upholding compliance with all Audit/regulatory bodies, as well as company policies and procedures, is a key aspect of the job. The ideal candidate for this role should have a graduate degree with a strong understanding of debt collection processes and customer relationship management.,

The key objective of the job is to drive the collection process of receivables across multiple sources to reduce the total outstanding amount and associated average number of days. The focus is on maintaining client partnerships intact while managing the debt situation effectively. The major deliverables include keeping track of the portfolio for specific buckets in the assigned area, controlling delinquency bucket-wise & DPD wise, and addressing non-starters. Providing efficient customer service regarding collection issues, processing customer refunds, handling account adjustments, small balance write-offs, customer reconciliations, and processing credit memos when necessary. Maintaining updated customer files, recording contact times and dates, and noting relevant information provided to customers about their debt. Collaborating with the agency's tracing team to trace defaulters and assets, suggesting remedial actions, and investigating reasons for default while nurturing customer relationships. Engaging the efforts of sales and senior management when needed to expedite the collection process, supporting the collection manager in repossessing assets, and seeking legal and police support if required. Ensuring compliance with all Audit/regulatory bodies, as well as company policies and procedures. Educational Qualification required for this position is a Graduate degree.,

The key objective of the job is to drive the collection process of receivables across multiple sources in order to reduce the total outstanding amount and associated average number of days. The primary focus is to manage the collection process while maintaining strong client partnerships intact. The major deliverables of the role include keeping track of the portfolio for specific buckets within the assigned area, controlling delinquency on a bucket-wise and DPD wise basis, and focusing on non-starters. The role also involves providing efficient customer service related to collection issues, processing customer refunds, handling account adjustments, small balance write-offs, customer reconciliations, and processing credit memos when necessary. Moreover, the job requires ensuring that customer files are updated with relevant information, including recording times and dates of customer contact and details of information provided to customers regarding their debts. The role also involves tracing defaulters and assets in coordination with the agency's tracing team and recommending appropriate remedial actions. Identifying defaulting accounts, investigating reasons for default, and maintaining a healthy relationship with customers are crucial aspects of the job. In cases where necessary, the role may involve enlisting the support of sales and senior management to accelerate the collection process, including assisting the collection manager in repossessing assets and seeking legal and police support as required. Furthermore, ensuring compliance with all audit and regulatory bodies, as well as adherence to company policies and procedures, is essential. The educational qualification required for this role is a Graduate degree.,

You will play a crucial role in driving the collection process for receivables from various sources with the objective of reducing the total outstanding amount and the associated average number of days. Your primary focus will be on maintaining client partnerships while effectively managing delinquency. Your responsibilities will include: - Monitoring the portfolio for specific buckets within your assigned area to control delinquency, both bucket-wise and Days Past Due (DPD) wise, with a special emphasis on non-starters. - Keeping customer files updated by documenting all contact times and dates, as well as the information provided to customers regarding their debt. - Collaborating with the agency's tracing team to locate defaulters and assets, and recommending appropriate actions. - Investigating reasons for default in defaulting accounts while striving to sustain a positive relationship with customers. - Engaging sales and senior management as needed to expedite the collection process, which may involve supporting the collection manager in asset repossession and seeking legal and police assistance when necessary. - Ensuring strict adherence to all Audit, National Housing Bank (NHB), and Internal Rating Based (IRB) regulations, as well as company policies and procedures. Qualifications required for this role include a Graduate degree, with preference given to candidates with Masters or Postgraduate qualifications.,

The primary goal of this position is to oversee the collection process of receivables from various sources in order to decrease the total outstanding amount and the average number of days while also striving to uphold positive client relationships. Key responsibilities include: - Monitoring the specific portfolio buckets within the designated area to manage delinquency levels, both bucket-wise and based on Days Past Due (DPD), with a focus on non-starters. - Updating customer files with the details of all interactions, including the times and dates of contact, as well as information provided to customers regarding their debts. - Collaborating with the agency's tracing team to locate defaulters and assets, and recommending appropriate actions to be taken. - Identifying defaulting accounts and investigating the reasons for default, while actively working to maintain a positive rapport with customers. - Engaging sales and senior management support when necessary to expedite the collection process, which may involve assisting the collection manager in asset repossession and seeking legal or police assistance as needed. - Ensuring adherence to all Audit, NHB, IRB regulations, as well as the company's internal policies and procedures. Qualifications required for this role include a Graduate degree, with preference given to candidates holding a Masters or Postgraduate qualification.,

Key deliverables: Drive collections strategy and execution across assigned region Control delinquency roll rates and ensure effective recovery processes Monitor and implement compliance in alignment with regulatory guidelines Improve collections SOPs and drive efficiency across buckets Role responsibilities: Develop and implement daily/weekly collection strategies Monitor and review portfolio-level KPIs and roll rates Ensure smooth coordination across internal stakeholders Lead compliance, risk mitigation, and SOP implementation efforts

Key deliverables: Drive collections strategy and execution across assigned region Control delinquency roll rates and ensure effective recovery processes Monitor and implement compliance in alignment with regulatory guidelines Improve collections SOPs and drive efficiency across buckets Role responsibilities: Develop and implement daily/weekly collection strategies Monitor and review portfolio-level KPIs and roll rates Ensure smooth coordination across internal stakeholders Lead compliance, risk mitigation, and SOP implementation efforts