Zonal Manager - Retail Collections - Housing

• Achieve collection targets assigned to the territory by meeting collection target while ensuring legal guidelinesare the complied for entire collection structure

Core Responsibilities:

• Ensure that the NPA''s are kept at minimum trigger levels and identify and recommend appropriate legal

actions for stress contracts

• Manage portfolio movement and control loss for the specific product in the assigned region while ensuring

that roll forward rates to higher buckets are kept within defined parameters

• Analyse & maintain zero delinquency within required parameters / policies and systems while dealing with

delinquent customers, publish MIS and review daily collections, pending cases and expected delinquency

• Take adequate steps to ensure receipt of payments and recovery of bad debts while monitoring legal

proceedings with in house & external legal team/advocates.

• Provide effective interdepartmental communication with operations, credit and sales by identifying negative

areas and negative profiles., developing systems that meet the local requirements and identifying correct

channel partners in synch with the TATA Capital philosophy

• Ensure customer satisfaction through quick resolution of customer issues and complaints and by visiting

high value/ strategic customers

• Facilitate competition mapping and market trends by collating information from the market to suggest

changes

• Ensure that all the in-house officers / agencies in the location perform as per defined SLA while reducing

costs incurred through vendors

• Manage productivity by fixing productivity parameters for DMA / Agencies / collection executives monitoring

performance against set parameters and daily review of collection managers and monthly review of

collection officers.

• Lead and supervise the collections team for the implementation of a recovery agenda through appropriate

training, motivation and deployment strategies

• Ensure compliance to all Audit / NHB /IRB regulations as well as policies and procedures of the company.