Job Description

:Role/ Job Title: Regional Debt Manager - Flows - Call CentreFunction/ Department: Debt ManagementJob Purpose:The role bearer has the responsibility to manage a team and co-ordinate the operational recovery activities for maintaining credit portfolio of the assigned region. It entails administering corporate policies and procedures and ensuring the front-end delinquencies are minimized. The role bearer is required to establish relationships inside and outside of the organization on opportunities to create value and has end to end collection responsibility for recovery of the assigned product contributing to the larger organizational objectives of the bank. This is a critical role that has a direct impact on the financial institution\'s budget planning.Roles & Responsibilities:

• Responsible to handle a region for collections of specific products.
• Design strategies to minimize losses to the bank by effectively recovering debt owed to the bank by leveraging call centers based on the customer track record.
• Design campaigns aligned to the overall collection strategy to ensure maximum recovery.
• Handle customer escalations and provide different payment modes to customers to reduce bounce rates.
• Collaborate with the external vendor agencies by on boarding them and providing them with training to enable maximum recovery.
• Drive initiatives to reduce risk of fraud- Maintain and monitor dashboards to ensure high level of productivity.
• Employ tools such as automation and drive digital initiatives to increase process efficiency.
• Conduct detailed analysis of delinquencies and recommend changes to the product teams.
• Ensure the successful adoption of internal compliances & regulatory framework across the business.
• Collaborate with the Head of Collections to drive down the net credit loss and delinquency metrics.
• Train off roll manpower to enable optimal performance.
• Recommend process changes in order to improve service efficiency and quality across the assigned region.
• Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.
• Leverage in-house synergies through collaboration with internal stakeholders.
• Attract and retain best-in-class talent for key roles in their reporting structure.

Education Qualification:Graduation: Bachelors in Technology / Maths / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management.Post-graduation: MBA, PGDMExperience: 10+ years of relevant experience

IDFC FIRST Bank