Ijp

**IJP - Cluster Manager-Collections Micro Banking - West Bengal / Bihar / Jharkhand / Odisha**:
Multiple locations
- Department
- EAST COLLECTIONS MICROBANKING
- Job posted on
- Apr 29, 2025
- Employment type
- Permanent

**Group Company**: Ujjivan Small Finance Bank

**Designation**: Cluster Manager-Collections Micro Banking

**Office Location**: East 3563-Golaghat Golaghat (East-QURC)

**Position description**: Cluster Manager-Collections Micro Banking

**Primary Responsibilities**:

- Business Financials Monitor receivables and collections and provide updates of receivables with appropriate details Follow up with Branch staff and Field Collection staff to monitor track status of collections Ensure maximum number of accounts is collected through follow ups and other defined communication techniques Engage in conducting field investigations and collecting delinquent accounts Work on Critical cases getting it recovered from the customers Trace out of absconded default customers and initiate recovery process Analyze and solve problems on a daily basis and keep track of all doings for future references Coordinate with telecalling team to ensure an effective telecalling process for effective collection follow ups recoveries Writeoff of Nominee recovery cases which are not recoverable even after taking all the efforts run WriteOff recovery programs with involvement of relevant departments Customer Establish contact with customers and execute advanced loss prevention activities ie skip tracing settlement process Field visits to default clients in view of collections and to study the repayment behavior of delinquent clients Prepare a potential course of action to reduce the risk of uncollectible dues Maintain fair collection practices while dealing with customers and ensuring that the team follows the same Internal Process Team management monitoring and supervision of activities of the allotted team Identify accounts requiring legal action and provide same details to collection manager 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 and report the same Need to Guide the field collection team with regard their performancetargetbalance to do and DRR Ensure timely recruitment based on work allotment effectively allocate resources to achieve the desired goals Identify early warning signals and aid the branches field collection team 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 through credit teamLegal team and ensure regular follow ups by accountable staff at various levels Ensure usage of collection software INDUS in every day collections and enable feedback mechanism in INDUS which is mandatory And all reviewsreports updation should happen in INDUS Innovation Learning Need to train the team branch staffs time to time on Collection Managementupgrading the Skills etc Build a strong field collections team with clear objectives Manage daily activities of the team

**Additional Responsibilities**:
**Reporting Team**
- **Reporting Designation**:

- **Reporting Department**:
**Educational qualifications preferred**
- **Category**:

- **Field specialization**:

- **Degree**:

- **Academic score**:

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**Required work experience**
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- **Role**:

- **Years of experience**:
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**Required Competencies**:
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**Required abilities**
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- **Other**:
**Work Environment Details**:
**Specific requirements**
- **Travel**:

- **Vehicle**:

- **Work Permit**:
**Other details**
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- **Compliance Related**:

- **Union Affiliation**: