Manager - DSMG - LTRL & MBL - Flows - Jaipur - Vaishali Nagar (2nd Floor) - J-Grades

3 days ago


Jaipur, Rajasthan, India Tata Capital Full time ₹ 6,00,000 - ₹ 10,00,000 per year
Key Responsibilities: 1. Loan Recovery & Collections

Conduct regular follow-ups for overdue accounts through field visits and phone calls.

Prioritize recovery from early-stage delinquents (Bucket 1, 2) to reduce flow into higher buckets.

Execute recovery strategies for hard bucket accounts and skip-tracing as necessary.

Handle settlements, part-payments, and restructuring cases (as per guidelines).

2. Customer Engagement

Explain repayment obligations and educate borrowers on the impact of non-payment.

Maintain a respectful, solution-oriented approach while dealing with customers.

Act as a liaison between the customer and the branch in resolving disputes or grievances.

3. Field Operations

Plan and execute daily field visits in assigned areas/routes.

Use collection tools and mobile apps for tracking and updating visit outcomes in real-time.

Coordinate with tele-calling teams and legal officers as required.

4. Reporting & Documentation

Maintain accurate records of interactions, collections, and commitments made by customers.

Submit daily and weekly MIS reports on collections performance and field updates.

Highlight high-risk accounts and recommend escalation or legal action where applicable.

5. Compliance & Ethics

Follow all internal processes and regulatory guidelines (e.g., RBI Fair Practices Code).

Ensure ethical collection practices with no coercion or harassment.

Participate in regular training and audits to ensure adherence to SOPs.

Key Performance Indicators (KPIs):

Collection Efficiency Ratio (PAR 0, PAR 30, PAR 90, etc.)

Bucket-wise recovery performance

Field productivity (visits vs. recoveries)

Customer resolution turnaround time

Zero compliance violations

Qualifications & Skills:

Education:

Minimum: Graduate (preferred in Finance, Business, or related field)

Experience:

1–3 years in collections, recovery, or field credit operations

Prior experience in handling LTRL or MBL segments is desirable

NBFC/MFI/BFSI sector background preferred

Skills & Attributes:

Strong communication and negotiation skills

Local language proficiency is a must

High integrity, self-motivated, and target-oriented

Familiarity with collection apps or CRM tools

Willingness to travel extensively within assigned areas

Other Details:

Working Hours: Field-based role with flexibility based on customer availability

Travel: Daily local travel required (two-wheeler preferred)

Compensation: Fixed salary + Incentives + Travel Allowance (as per policy)



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