Operations Lending

1 week ago

Mumbai, India Addonix Technologies Pvt Ltd. Full time

Good communication

Must be able to deal with Founders
- Good relation with Founders and must be good in communication
- KYC and Recovery experience from SME lending
- Understanding about NACH and ECS process
- SME Lending recovery and collection process, must Handle collections for the assigned area and achieve collection targets on various parameters like resolution and roll rates (depending on the bucket)
- Increase the fee income / revenue via focus on Extension fee collections
- Track control the delinquency of the area and focus on nonstarters
- Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TAT
- Build relationships with key clients to ensure timely collections are made and monitor defaulting customers by ensuring regular follow with critical/complex customers to identify reasons for defaulting
- Ensure maximum number of accounts is collected through follow ups and other defined communication techniques
- Developing and introducing new strategies / methods for collections across all buckets
- Work on Critical cases, getting it recovered from the customers.
- Ensure compliance to all Audit / Regulatory bodies as well as policies and procedures of the company (trails upload)
- Ensure monthly billing of all agencies is cleared on time without discrepancies
- Ensuring legal guidelines are compiled for entire collection structure in letter and sprits.

Internal Process:

- Identify accounts requiring legal action and provide same details to management and external legal counsel.
- Ensure the remarks are captured at levels.
- Need to ensure through the team responsible for administrative work related to collection such as updating delinquent account history, updating change of customers' information, providing and maintaining MIS report, reviewing of collection feedback on daily ,Weekly & Monthly basis, etc.
- Analyze delinquent accounts and prepare reports on high risk accounts along with recommendations for resolution and Work towards automation of reports relating to delinquency management.
- Prepare reports and correspondence relating to collections, status of accounts, and payment records.
- Recommend time to time for any collection policy changes after analysing from the field.
- Identify early warning signals and aid the company in managing efficient loan portfolio.
- Manage bad debt write off in accordance with the Collection Policy
- Ensure timely issuance of company notices to chronic defaulters as defined in the collections policy and ensure regular follow ups at various levels
- Demonstrated success and achievement orientation.
- Excellent Communication Skills
- Negotiations skills - strong bias for driving results in a High performance environment
- Strong Relationship and Leadership skills
- Working Knowledge of Computers
- Growth Mindset
- Willingness to experiment and improve continuously
- 1-4 years of relevant experience (SME Lending)

**Salary**: ₹400,000.00 - ₹2,000,000.00 per year

Schedule:

- Day shift

**Experience**:

- Collection and Communication: 1 year (preferred)

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