Assistant Manager - Recovery

Portfolio Risk Management:

- Monitor delinquency trends, vintage analysis, and bounce rates across products.

- Proactively manage NPAs within board and regulatory limits.

- Escalate and resolve high-risk accounts timely.

Operations & Team Leadership:

- Lead zonal/regional collections teams, in-house staff, and outsourced agencies.

- Define and track KPIs: bucket-wise resolution %, DPD reduction, cost of collections.

- Foster a culture of performance, accountability, and compliance.

Regulatory & Legal Compliance:

- Ensure adherence to RBI, Fair Practices Code, and NBFC guidelines in collections and recovery.

- Manage SARFAESI, DRT, Insolvency & Bankruptcy Code (IBC) proceedings, settlements, and legal recoveries.

- Oversee third-party vendors (advocates, valuers, recovery agencies) and internal stakeholders for resolution and compliance.

Stakeholder Management:

- Collaborate with Risk, Credit, Operations, Finance, and Legal teams to minimize credit losses.

- Present MIS, dashboards, and portfolio insights to management, board committees, and regulators.

- Process & Technology - Build predictive models, Early Warning Systems, and automation for recovery processes.

- Lead process improvement, policy development, and digital adoption aligned with regulatory and legal frameworks