Piramal Capital

4 days ago


mumbai, India Piramal Capital & Housing Finance Limited Full time

We are looking to hire Zonal/ Geography/State Head Recovery based out of

Mumbai


Interested candidates please send your updated resume to

Key Roles and Responsibilities:

  • Implementing the collection and recovery strategy of the organization, related policies and processes, in line with the risk appetite of the organization
  • Identify and set the annual collection targets and delinquency levels
  • Plan and execute regional-level growth-focused strategies to augment recoveries, reduce bad debts and delinquencies.
  • Drive and track recovery strategy, planning and performance monitoring, recommend mitigation strategies, capacity planning, incentivization, alternate payment channels, and litigation.
  • Build and develop review mechanism that throws strong early warning signals and develop mitigation strategies
  • Prepare budgets for driving the collections and recovery activities through discussion with internal and external partners
  • Strategically plan and foster tie-ups with various interest groups such as credit reporting agencies, fraud agencies, legal firms and collections/recovery agencies etc.
  • Manage and ensure delinquency related parameters (including collections efficiency, roll forward/roll back%, NPA%, quick mortality, non-starters%, bounce rate etc.) are within targets
  • Assess and formulate collections policies and procedures that provide for timely collections and recovery
  • Identify and lead initiatives for process enhancement and technology adoption in collaboration with the Digital/IT team like triggers and early warning signals
  • Monitor monthly status of recovery including performance of surrender/repossession at NPA stage, auction, days in stock, loss per unit sold and write-off bad debt collection
  • Implement policy, processes and procedures including standard operating procedures for different buckets, roll back, roll forward, OTS, SARFAESI, etc.
  • Ensure and check that collection and recovery policies and standards are being implemented at the ground level
  • Ensure that all levels are always audit compliant with internal and external policies and regulations
  • Design and implement monitoring mechanism and MIS to ensure that each parameter of KPI is constantly measured, reported, analyzed and improved
  • Set productivity targets & monitor performance of the Area Collection Managers, agencies of the mapped region



Must Have Skills :


  • 10 years of experience driving recoveries of the entire loan portfolio in HFC/NBFC and managing a team
  • 8-10 years of managing vendors, cross functional teams
  • Networking with law enforcement & judiciary.
  • Team Management
  • Initiated SARFAESI, SEC 138, handled mortgage loans


If interested, please send your updated resume to


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