Collection head

3 days ago

Mumbai, Maharashtra, India YES BANK Full time ₹ 12,00,000 - ₹ 36,00,000 per year

About the Role:

The position is responsible for handling Pan-India Collections for all products under the Micro Enterprises Banking (MIB) segment. The person will be responsible for ensuring delivery of key performance parameters like credit losses, delinquencies, and other P & L parameters. The person will also be responsible for designing and implementing efficient and effective collections processes and foster a culture of customer service in the collections team.

Responsibilities:

  • Design and implement agile, scalable collection strategies for MIB Segment (both secured and unsecured).
  • Work closely with product, credit, and analytics teams to fine-tune customer segmentation and risk triggers.
  • Manages and controls the operating framework for the department, provides guidance and support, ensures implementation and review of work processes in order to achieve high performance standards and continuous improvement.
  • Supports the development of the workforce plan for the division by providing inputs on own department's workforce forecasts.
  • Monitor key metrics such as delinquency trends (DPD buckets), collection efficiency ratios, roll forwards, and cure rates (Out of 30+).
  • Drive proactive interventions in high-risk segments through data-led insights and dynamic resource allocation.
  • Working closely with Business & Credit Teams on the Early warning systems (EWS) Triggers and working on a timebound plan for exit or improvement.
  • Build and lead a high-performing pan-India in-house collections team.
  • Monitor performance and compliance of the team.
  • Drive strong field productivity through KPI-based performance frameworks.
  • Ensure adherence to RBI's Fair Practices Code and the bank's code of conduct for collections.
  • Address escalations and grievances in a structured and timely manner.
  • Ensure zero tolerance for misbehavior, coercive tactics, or reputational risk.
  • Ensure minimal attrition.

Qualifications:

  • Essential:
    Graduate / Postgraduate in Finance, Management, or related field.
  • Preferred:
    Minimum of 20 years of experience in collections, with at least 5 years in MSME Segment or related segments in a private sector bank or NBFCs.

Required Skills:

  • Customer and Quality Focus
  • Professional Entrepreneurship
  • Drive for Results
  • Influence and Impact
  • Integrity
  • Lead and Develop people
  • Enables Change
  • Build transparent and inclusive teams

Preferred Skills:

  • Experience in managing collections in a private sector banking environment.
  • Strong operational rigor and commercial acumen.

Equal Opportunity Statement

The company is committed to diversity and inclusivity in the workplace.

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