Manager - DSMG - Two-Wheeler Loans

Tata Capital

4 - 9 years

5 - 15 Lacs

Visakhapatnam

Posted:1 day ago| Platform:

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Skills Required

sales business loan commercial vehicle loans auto loans personal loans business development credit appraisal financial services branch management loan management marketing collections two wheeler loan gold loan home loans finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

The ideal candidate will have a strong background in collections and financial services, with excellent communication and leadership skills.

Roles and Responsibility

Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost, and roll rates.
Ensure NPA's are within the assigned budget and minimize them through active efforts.
Increase fee income/revenue and develop initiatives to control and reduce vendor payouts.
Conduct asset verifications and possession as per SARFESI/Section 9 process through court receivers.
Track and control delinquency, focusing on non-starters and ensuring quick resolution of customer issues within specified TAT.
Build relationships with key clients to ensure timely collections and monitor defaulting customers by ensuring regular follow-ups with critical/complex customers.
Represent the organization in front of legal/statutory bodies as required by the legal team and ensure the collection team adheres to legal guidelines provided by the law in force.
Allocate work to field executives and ensure agencies perform as per defined SLA, with payments and audit receipts deposited within the defined SLA.
Ensure adequate Feet on Street availability and obtain daily updates from all collection executives on the delinquent portfolio, initiating detailed account level reviews of high-ticket accounts.
Ensure compliance with all Audit/Regulatory bodies and company policies and procedures.

Job Requirements

Post Graduate or Graduate in any discipline.
Minimum 4 years of experience in collections and financial services.
Strong knowledge of banking and financial services.
Excellent communication, leadership, and problem-solving skills.
Ability to work in a fast-paced environment and meet deadlines.
Strong analytical and decision-making skills.
Experience in managing teams and allocating work to field executives.
Knowledge of auditing and regulatory bodies.
Familiarity with legal guidelines and compliance.
Ability to build relationships with key clients and monitor defaulting customers.
Experience in representing the organization in front of legal/statutory bodies.
Ability to track and control delinquency, focusing on non-starters.

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