Unit Manager

3 days ago


Pune, Maharashtra, India Bajaj Finance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Job Purpose

This position is open with Bajaj finance limited"Managing the collections unit in a particular area and monitoring the collection of the amount due to the organization, while ensuring that cases are handled appropriately according to the company guidelines

Duties and Responsibilities1. Portfolio Management

  • Analyses trend of incremental portfolios
  • Chalks out loss projection based on the portfolio2. Case Management
  • Works out changes in allocation patterns along with Area/Cluster Managers - tracks impact on collection efficiency
  • Engages with the Risk / Credit teams to get sufficient KYC inputs for Skip Tracing; Regularly reviews delay in closures / non-resolution cases / Customer service issues (Flow) with the Operations team; Influences the team for timely settlement; Escalates cases when there are delays
  • Involves self in resolving escalated cases where needed - such as joint visits with agencies for high value customers; Plans on calls / meetings with BPTP / critical customers; Reviews and approves the month tour plans of the team
  • Examines and approves settlement requests, taking inputs from manager and others where needed; Gets necessary approvals; Plans with manager on steps to reduce delay for exceptional approvals
  • Analyses the defensibility of legal cases, gets relevant data and documents compiled and shares in the system to initiate legal proceedings; Executes summons / warrants - ensures timely support from the Legal team
  • Ensures visits by the legal team to the delinquent customers residence/ office etc. to pressurize customer to make payments; Follows up for police action against customers (e.g., Police visits at customers place, attaching customers property, etc.)
  • Keeps track of payment deposition status through regular updates from ACMs; Ensures relevant FinnOne approvals are obtained3. Planning, Budgeting, Monitoring
  • Reviews capacity planning vs forecast volumes; Reviews capacity requirements, proposes additional agency empanelment if need be
  • Gets AOP downloads, sets aspirational numbers for next year; Sets goals per Area through discussion - breaks down goals into smaller components and steps that are easier to execute and track
  • Conducts performance update meetings as per schedule; Creates month-wise action plans for team based on findings; Reviews and tracks closures vis- -vis milestone and monthly projections and plans; Initiates pending closures in CRM
  • Reviews and validates Cost Tracker for agency payments, PP / magic wand data
  • Studies and discusses agency change plans to finalize actions; Focusses on developing or appointing agencies with more comprehensive s - skip tracing / telecalling / field support;4. Agency and Dealer Management
  • Analyses last month performance per agency; Discusses with Area/Cluster Managers and RO's, identifies causes and remedies for under-performance, if any, and builds action plans accordingly, including meeting and discussing with the vendors to agree on improvement goals and steps
  • Ensures regular touch with vendors - meets and listens to them periodically to ensure that they have been heard and responded to; Shares company news and plans with them as relevant to them|
  • Examines instances of breach in compliances, recommends actions to be taken against relevant employees and vendors; Monitors and periodically reviews team members on action plans regarding audit observations; Recommends action against agencies for delays in deposition 5. Team management:
  • Takes care of allocations of his / her region and critical locations
  • Identifies capacity of the locations
  • Tracks vendor availability in locations6. Performance Tracking
  • Tracks location wise performance of ACM/CM and ROs based on critical parameters
  • Tracks last 3 months PP% for each team
  • Drives critical parameters most relevant with portfolio losses

Key Decisions / Dimensions

  • Management of high value cases
  • Agency assessment and influencing for support in achieving targets
  • Performance tracking and development plans (PIP etc)
  • Hiring of ROs and shortlisting candidates for ACM roles
  • Planning for agency related changes, Budgeting and Monitoring performance accordingly
  • Proposing changes to the Regional structure and making investments on people development

Major Challenges

  • Portfolio Management closing cases at Bucket 1 and Above
  • Managing difficult locations with scarcity of relevant talent
  • Need to negotiate for settlement to achieve collection target

Required Qualifications and Experience

Qualifications

  • Graduate in any disciplineb)Work Experience
  • Post qualification - 6 to 12 years
  • Vendor management complete cycle
  • Team management

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