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IT & Compliance - DSMG - Retail MFB

IT & Compliance - DSMG - Retail MFB

Tata Capital

5 - 10 years

11 - 15 Lacs

Mumbai

Posted:1 month ago| Platform:

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Skills Required

documentation risk mitigation brd collections rbi software testing collection management business analysis operational efficiency retail los lms performance metrics system implementation frd loan management system performance management crm

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a skilled IT & Compliance professional with 5 to 10 years of experience to lead our collections team in Mumbai. The ideal candidate will have expertise in IT-driven collections, system implementation, and BRD documentation. Roles and Responsibility
Lead the implementation and enhancement of Loan Management Systems (LMS), Collection Management Systems (CMS), and CRM tools for improved operational efficiency.
Develop and execute automation projects for digital collections, including AI-based predictive models, self-service payment portals, and automated follow-ups.
Ensure seamless integration with digital payment solutions to facilitate smooth recoveries.
Collaborate with IT teams to enhance cybersecurity and data security measures for collections platforms.
Define and document business requirements for collections-related IT systems in collaboration with stakeholders.
Monitor post-implementation system performance and recommend upgrades or optimizations.
Develop an optimized manpower strategy across field collections, tele-calling, legal recovery, and digital collections, and implement AI-driven workforce allocation models to enhance productivity and reduce costs.
Define KPI-based performance management frameworks to assess collection agent efficiency, develop and conduct training programs for collection agents on compliance, digital tools, and customer negotiation techniques, and engage with third-party collection agencies to optimize external recovery support.
Develop and manage the annual budget for collections, IT upgrades, legal expenses, and workforce costs, optimizing cost structures by identifying cost-effective recovery methods and digital collection strategies while tracking and analyzing collection costs vs. recovery rates to maximize profitability.
Coordinate with finance teams for effective allocation and utilization of collection funds, developing a performance-based incentive structure for field collection teams, tele-callers, and agency partners, and implementing data-driven incentive models based on Collection Efficiency (CE), Roll-Back Performance, and Legal Resolution Metrics.
Design an automated incentive tracking system integrated with the collection dashboard, ensuring that the incentive structure is aligned with compliance policies and does not encourage aggressive recovery tactics.
Develop and manage real-time dashboards for tracking collection efficiency, delinquency trends, and workforce performance, generating and presenting MIS reports, KPI analysis, and trend forecasting to senior management, providing insights on root causes of slippages and corrective actions to improve portfolio quality.

Job
Expertise in IT-driven collections, system implementation, and BRD documentation.
Strong knowledge of RBI/NBFC collection guidelines, compliance, and risk mitigation.
Experience in managing budgets, costs, and performance metrics.
Ability to work collaboratively with cross-functional teams.
Strong analytical and problem-solving skills.
Excellent communication and leadership skills.
An MBA/PGDM in Finance, IT, Business, or a related field is required.

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Tata Capital

Financial Services

Mumbai Maharashtra

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IT & Compliance - DSMG - Retail MFB