Regional Manager

You will be responsible for managing the portfolio movement and controlling losses for a specific product in the assigned region. This includes ensuring that roll forward rates to higher buckets are maintained within defined parameters. You will need to analyze and maintain zero delinquency within required parameters, policies, and systems. Dealing with delinquent customers, publishing MIS, and reviewing daily collections, pending cases, and expected delinquency will be part of your daily tasks. Effective interdepartmental communication with operations, credit, and sales is crucial. You will need to identify negative areas and negative profiles, develop systems that meet local requirements, and identify correct channel partners in line with the TATA Capital philosophy. Ensuring customer satisfaction through quick resolution of customer issues and complaints, as well as visiting high-value/strategic customers, will be essential. You will also be responsible for facilitating competition mapping and market trend analysis by gathering information from the market to suggest changes. Ensuring that all in-house officers/agencies in the location perform as per defined SLA, while reducing costs incurred through vendors, is part of your role. Managing productivity by setting productivity parameters for DMA/Agencies/collection executives, monitoring performance against set parameters, and daily reviewing collection managers and monthly reviewing collection officers will be crucial. Leading and supervising the collections team for the implementation of a recovery agenda through appropriate training, motivation, and deployment strategies is also part of your responsibilities. Ensuring compliance with all Audit/RBI regulations as well as company policies and procedures is a key aspect of this role. Qualification: Post Graduate/Graduate in any discipline.,