Regional Collection Manager - Mortgage

Job Purpose - The role incumbent will be responsible for managing deliverables from the Call centre and also additionally monitoring Debt Management actionable for allocated portfolios.

Job Role:-

1. Collection Infrastructure :-

- Formulate strategy for front end, mid bucket & hard bucket recovery Collection & periodic reviews with field team for performance improvement

- Collection agencies empanelment & performance monitoring based on requirement.

- Comprehensive Collection call centre setup including script management, call monitoring & performance monitoring

- Set up a mechanism for pre-delinquency awareness mechanism to control opening volume & improve EMI presentation realization percentage

Analytics & Automation

- Devise analytical approach towards collection performance monitoring & improvement including all MIS for reportings.

- Assignment of target & projections.

- Collection cost analysis including call centre cost.

- Analyse & provide early warning indicators to Credit & FCU, based on collection feedback & delinquency performance

- Testing & automation of Collection application i.e. web based desktop as well as mobile app.

- Implement web based online payment platform for repayment, outsourced or in-house

- Automation of collection processes

2. Legal Collection -:

- Advocate & Legal counsel empanelment

- Regular monitoring of legal action & its performance

- Enforcement agency empanelment (for SARFAESI execution) & performance monitoring.

- Legal collection strategy for collection performance improvement

- Automation of legal MIS, processes & data

3. Process & Compliance -:

- Comprehensive Collection policy formation & periodic amendments for improvement as & when required

- Implement & improve collection processes such as payment reconciliation & statutory compliance

- Handling internal & external collection audits