Officer - Dsmg - Two-wheeler Loans - X Bucket - Jalandhar - Puda Complex - J Grades

3 weeks ago

Jalandhar Punjab, India TATA CAPITAL Full time

Degree Level Bachelor s Degree Key Responsibilities Portfolio Management Handle delinquent two-wheeler loan accounts in the X bucket e g 90 DPD legal recovery stage Analyze delinquency trends track recovery performance and ensure achievement of monthly and quarterly recovery targets Prioritize high-value and chronic default cases for focused action Collection Recovery Execute recovery strategies to reduce flow to higher delinquency buckets Ensure regular follow-up with customers through field visits tele-calling and legal actions as required Coordinate with repossession and auction teams for recovery of dues through vehicle seizure and sale Maintain proper documentation for every collection activity and ensure system updates are timely and accurate Agency Field Team Management Manage and monitor collection agencies recovery agents field executives for timely performance Train and guide agency staff on compliance soft skills and ethical recovery practices Ensure adherence to company and regulatory norms RBI Fair Practice Code Legal Compliance Coordinate with legal teams for issuance of notices e g demand arbitration Section 138 etc and follow up on legal recoveries Ensure compliance with all statutory and organizational guidelines during collection and repossession processes Reporting Analysis Prepare daily weekly monthly MIS reports on collection efficiency recovery trends and agency performance Provide feedback to credit and policy teams on field-level insights and customer behavior Key Skills Competencies Strong knowledge of retail asset collection processes especially for two-wheeler loans Ability to handle hard bucket X bucket accounts with tact and firmness Excellent negotiation and persuasion skills Good understanding of legal and repossession processes Proficiency in MS Excel MIS and collection management systems Team management and coordination skills Qualifications Experience Education Graduate Postgraduate in any discipline MBA preferred Experience 5-8 years of experience in collections with at least 2-3 years handling X bucket recovery stage accounts in auto or two-wheeler loans Languages Proficiency in local language and English Performance Metrics KPIs Recovery from X bucket accounts Reduction in NPA loss provisioning Agency performance efficiency Legal case resolution rate Compliance adherence and zero audit issues

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