Senior Manager - Technical Write-Offs - Banking

OVERVIEW:

The Senior Manager Technical Write-Offs is responsible for leading the banks end-to-end technical write-off framework across retail, SME, and corporate portfolios. The role ensures regulatory compliance (RBI IRAC norms), robust governance, accurate accounting, and seamless coordination with Collections, Finance, Risk, Audit, and IT. This role leads a team of specialists and drives process improvements, automation, and portfolio-level insights.

Key Objectives :

- Govern and execute technical write-offs across retail, SME, and corporate portfolios.

- Ensure complete compliance with RBI IRAC norms, provisioning rules, and audit standards.

- Strengthen governance through automated controls, dashboards, and reconciliations.

- Improve accuracy and timeliness of provisioning, write-off files, and system postings.

- Drive system enhancements and lead UAT for write-off and accounting workflows.

- Enhance portfolio analytics on NPAs, aging, and recoveries to support leadership decisions.

- Build team capability and ensure consistent domain expertise in write-off operations.

- Improve recovery tracking and reporting for postwrite-off accounts.

A. KEY RESULT AREAS:

1 Technical Write-Off Governance & Compliance:

Objective: Ensure accurate, compliant, and timely execution of write-offs.

Key Results:

- Govern write-off processing across retail/SME/corporate portfolios.

- Validate write-off files, provisioning adequacy, and GL postings.

- Ensure 100% adherence to RBI IRAC norms and internal credit policy.

- Maintain audit-ready documentation for internal/external reviews.

- Ensure zero non-compliance observations linked to write-offs.

Cross-Functional Execution & Stakeholder Management:

Objective: Enable smooth coordination and reduce execution bottlenecks.

Key Results:

- Partner with Finance, Collections, Risk, Legal, and IT for execution readiness.

- Ensure timely sharing of data, files, reconciliations, and reports.

- Reduce inter-department escalations and dependency issues.

- Support regulatory inspections with complete datasets.

Controls, Automation & Process Enhancement:

Objective: Strengthen governance and reduce operational risk.

Key Results:

- Implement automated dashboards, system checks, and reconciliations.

- Improve exception reporting and reduce manual intervention.

- Lead UAT for system changes impacting write-off rules or accounting flows.

- Enhance accuracy through standardized processes and documentation.

Portfolio Insights & Reporting:

Objective: Provide actionable insights to improve portfolio quality.

Key Results:

- Analyse NPA movements, aging buckets, recoveries, and write-off trends.

- Provide periodic insights to senior leadership for strategic decisions.

- Strengthen data quality and accuracy across reporting workflows.

- Support provisioning reviews with analytical inputs.

Recovery Tracking & Compliance:

Objective: Ensure accuracy and completeness in postwrite-off recoveries.

Key Results:

- Track recoveries across written-off accounts with high accuracy.

- Improve reporting on recovery timelines, trends, and variances.

- Ensure controls are in place for accounting and reconciliation of recoveries.

Team Leadership & Capability Development:

Objective: Build a high-performing team with strong domain expertise.

Key Results:

- Mentor analysts/specialists handling write-off processes.

- Strengthen documentation, review mechanisms, and knowledge bank.

- Build a culture of accuracy, compliance, and process discipline.

- Drive performance metrics and capability development initiatives.

B. KEY PERFORMANCE INDICATORS:

- Write-off accuracy rate (system postings, file validation, provisioning checks)

- Compliance adherence with RBI IRAC norms & provisioning rules

- Audit performance (zero major observations, timely closure of minor points)

- Automation/control effectiveness (reduction in manual errors, exception rates)

- Timeliness of write-off execution against monthly/quarterly cycles

- UAT success rate for system enhancements affecting write-offs

- Quality of portfolio insights (aging analytics, trends, NPA movements)

- Recovery tracking accuracy (variance reduction, timely reporting)

- Stakeholder satisfaction (Finance, Risk, Collections, IT)

- Team productivity and capability-building outcomes

Qualifications:

Essential: MBA / Graduate Degree in Commerce, Accounting, Economics, or related field or equivalent.

Preferred: An MBA/PGDM (Finance), CA/ICWA Inter, or equivalent professional training.

Experience:

Essential:

1) 7 10 years of experience in Collections, Credit Risk, Finance Operations, or NPA Management.

2) Strong understanding of RBI IRAC norms and provisioning rules.

Preferred:

1) Hands-on experience with Finacle, Flexcube, BaNCS or similar CBS platforms.

2) Experience in governance, audit handling, and financial control processes.

3) Exposure to automation, analytics, and cross-functional coordination.

4) Experience in technical write-offs and postwrite-off recovery processes.