Regional Debt Manager-Flows-Consumer Durable

Job Requirements About the RoleThe Regional Debt Manager Flows Consumer Durable is responsible for managing a team and coordinating operational recovery activities to maintain the credit portfolio of the assigned region. This role involves administering corporate policies and procedures to minimize front-end delinquencies. The role bearer is expected to build relationships within and outside the organization to create value and has end-to-end collection responsibility for the assigned product. This position plays a critical role in contributing to the banks organizational objectives and has a direct impact on budget planning. Key ResponsibilitiesPrimary ResponsibilitiesResponsible for recovery of the assigned product.Identify trends from collection metrics through various MIS and analytics, and design action plans jointly with the Strategic Business Head to minimize delinquencies and maintain portfolio health.Manage productivity by setting parameters for agencies and collection executives, and monitor performance against these parameters.Classify cases for restructuring or legal recovery, devise action plans, and ensure implementation.Aggregate competitor policy information and define suitable collection policies and trigger mechanisms for the target customer segment.Ensure adherence to defined processes and policies when dealing with delinquent customers.Recommend changes in credit policies and monitoring processes based on NPA trends.Collaborate closely with business and support teams for speedy issue resolution.Oversee agency management and analyze feedback.Supervise recruitment, set KRAs for direct reports, conduct performance appraisals, and monitor overall team KRAs.Facilitate subordinate development through feedback and regular training.Secondary ResponsibilitiesRecommend process changes to improve service efficiency and quality.Suggest improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.Leverage in-house synergies through collaboration with internal stakeholders.Ability to screen and identify talents for the orgKeep the attrition under checkWhat We Are Looking ForEducationGraduation: Bachelors degree in technology, Mathematics, Commerce, Arts, Science, Biology, Business, Computers, Engineering, or Management.Post-graduation: MBA or PGDM.ExperienceMinimum of 6 years of relevant experience in collections.Skills and AttributesStrong analytical and strategic thinking skills.Excellent leadership and team management capabilities.Ability to collaborate effectively with internal and external stakeholders.Proficiency in using MIS and analytics tools.Sound understanding of collection policies and legal recovery processes.Excellent interpersonal skillsStrong EQ and show empathy when the situation demands .