Team Member - Collections Strategy | Commercial Vehicles
Grade: M4/M5
Experience: 3- 4 years of audit experience in retail and know- how of regulatory compliance.
Key Responsibilities
Strategy & Analytics
*Design segmentation-based collection strategy: Allocation, Vendor management, controlling Credit cost.
*Build & deploy EWS models with Risk: DPD 30+ triggers, telematics/GPS inactivity, FASTag drop, fuel card usage dip.
*Optimize channel mix – field, tele-calling, digital nudges, legal, repossession – for best ROI per segment.
*Stress-test portfolio for external shocks: fuel price, export slowdown, construction cycles. Prepare contingency dial-up/dial-down plans.
*Set monthly/quarterly targets: GNPA, NPA, Roll-back %, Flow rates, Resolution %, Recovery %.
Team & Capability
*Drive R&R, capacity planning.
Implement digital tools: field app, predictive dialler, AI voicebots, UPI payment links, GPS tracking.
*Ensure 100% compliance with RBI Fair Practices Code, regulatory norms, audit
About Kotak Mahindra Group:
Established in 1985, the Kotak Mahindra Group is one of India’s leading financial services conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group’s flagship company, received a banking license from the Reserve Bank of India (RBI). With this, KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited.
The consolidated balance sheet of Kotak Mahindra Group is over 1 lakh crore and the consolidated net worth of the Group stands at 13,943 crore (approx US$ 2.6 billion) as on September 30, 2012.
The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has a wide distribution network through branches and franchisees across India, and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius and Singapore. For more information, please visit the company’s website at https://www.kotak.bank.in/en/home.html
