10040
· To manage the valuations, technical audit and setting up standard processes and monitor the technical evaluation in the location/branch.
Core Responsibilities:
o Ensure that the NPA's are kept at minimum trigger levels and identify and recommend appropriate legal actions for stress contracts
o Manage portfolio movement and control loss for the specific product in the assigned region while ensuring that roll forward rates to higher buckets are kept within defined parameters
o Analyse & maintain zero delinquency within required parameters / policies and systems while dealing with delinquent customers, publish MIS and review daily collections, pending cases and expected delinquency
o Take adequate steps to ensure receipt of payments and recovery of bad debts while monitoring legal proceedings with in house & external legal team/advocates.
o Provide effective interdepartmental communication with operations, credit and sales by identifying negative areas and negative profiles., developing systems that meet the local requirements and identifying correct channel partners in synch with the TATA Capital philosophy
o Ensure customer satisfaction through quick resolution of customer issues and complaints and by visiting high value/ strategic customers
o Facilitate competition mapping and market trends by collating information from the market to suggest changes
o Ensure that all the in-house officers / agencies in the location perform as per defined SLA while reducing costs incurred through vendors
o Manage productivity by fixing productivity parameters for DMA / Agencies / collection executives monitoring performance against set parameters and daily review of collection managers and monthly review of collection officers.
o Lead and supervise the collections team for the implementation of a recovery agenda through appropriate training, motivation and deployment strategies
o Ensure compliance to all Audit / NHB /IRB regulations as well as policies and procedures of the company.
Qualification:
Graduate, Masters/Post Graduate - Optional
Tata Capital Limited is a subsidiary of Tata Sons Limited. The Company is registered with the Reserve Bank of India as a Core Investment Company and offers through itself and its subsidiaries fund and fee-based financial services to its customers, under the Tata Capital brand.
As a trusted and customer-centric, one-stop financial services provider, Tata Capital caters to the diverse needs of retail, corporate and institutional customers, across various areas of business namely the Commercial Finance, Infrastructure Finance, Cleantech Finance, Wealth Management, Consumer Loans and distribution and marketing of Tata Cards. Tata Capital has over 500+ branches spanning all critical markets in India.
