Entrusted with the ownership of the management of pre-stress/stress accounts, involving early identification of credit deterioration, security optimisation and proactive workout for Supply Chain Finance portfolio and other working capital products of SME relationships in the bank.

The role involves deep rooted understanding of the business, inherent problem identification, operational and financial restructuring, in part or full to resolve the problem and monetisation of the securities for the Bank. The role is to optimize recovery and integral to formulating structuring/exit strategies in pre-stress/ stress situations. The individual needs to drive the account management in collaboration with the senior leadership team, RM and other internal stakeholders.

Collection Manager is expected to deliver results in accordance with the guidelines prescribed by the bank.

Key Accountabilities:

- Closely monitoring of allocated portfolio, regular review of operational and financial performance, tracking performance of various industries which have a bearing on the respective assets/securities etc.

- Working closely with Regional Leaders, Team leaders of SME and supply chain team to identify credit deterioration and resolving them at the earliest.

- Working closely with Anchor program managers and SCF TL/RM's to engage into a meaningful conversation with anchor and their stressed spokes/dealers/distributors for smooth recovery of dues. This would also include calibrated approach and use of various levers to recover dues such as initiation of Stop Supply, invocation of FLDG, filling Cheque dishonor U/s 138 of NI Act.

- Part of Early Warning calls/teams and updating stakeholders on account strategy to recover the dues.

- Provide inputs on defining strategy to minimize NPAs and maximize recoveries

- In the advisory role, to be part of meeting with top management of the client and also be part of client inspection and factory visits with view to having strong intelligence on the company.

- Working closely with internal recovery team post NPA classification for appropriate reporting's, recovery of the loan amount.

- Maintain and provide MIS for the management to enable effectively assess and monitor delinquent accounts

- Develop understanding of Bank's SME lending programs ,internal guidelines, RBI guidelines, MAS and other regulatory & governance guidelines.

- To comply with the Bank's process & policies and ensure positive ratings during all Country / Group audits

Job Duties & responsibilities:

- Require Minimum 6-10 years of experience in collection role for SME, supply chain Banking

- Demonstrated skills in successful negotiation and co-ordination with internal and external stake holders.

- Experience of handling regulatory aspects on delinquent accounts.

- Proven track record in the SME, Supply chain, corporate & commercial banking.

- Sound Understanding of credit proposals.

- Knowledge of competitors and market place.ed Experience

Education / Preferred Qualifications

- Premier Institute Graduate / MBA / CA

Core Competencies

- Deep rooted credit understanding covering multiple sectors, with focused experience in multiple

- Exceptional negotiator. Ability to coordinate with various internal and external stake holders.

- Experience in Banking sector, ARCs, Special Situation Funds, Investment Banking, Consulting Companies handling restructuring and special situations.

- Well versed with the execution and supervising of restructuring assignments.

- Strong and consultative problem solving capabilities. Eye for details.

- Ability to engage at the promoter and senior management level.

Technical Competencies

- Understanding of regulatory and governance guidelines on banking issued by MAS and by RBI (local regulations in India) and local laws and regulations that impact businesses in general

- Understanding of KYC requirements is critical

- Knowledge of financial markets and products to assist in meaningful dialogue with clients

Work Relationship

- Management of watchlist accounts involves interaction with top management of the company, performance monitoring & benchmarking, adherence to terms of restructuring - including visits to all material places of the business - to negotiate the implementation of work outs.

- Handling relationship which have run into problems, required to work on liquidating assets mortgaged to bank.

- The role also involves close co-ordination with the legal team for the limited cases which may involve litigation, interact with legal counsels for taking appropriate legal remedies. Also collaborate with external legal counsel, valuer, CA firms, collection agencies etc. for effective resolution

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Posted By

Manasi

Reruiter at DBS BANK INDIA LIMITED

Last Active: 03 November 2025

Job Views:
746

Applications: 217

Recruiter Actions: 27

Posted in

Banking & Finance