L2 - MC DMS - WB - Kolkata - BACL

Key Responsibilities

• Responsible for the collections performance on various collection parameters such as Arrear resolution, Bucket wise resolutions including the Roll forward rates, Loan loss provisioning, Collection costs, Penal interest collection for the assigned State/s.


• Managing the collections through team of ACMs/CO’s.


• Travelling to all the locations within the state on monthly basis to review the performance of each field location.


• Ensuring smooth execution of the various strategies/drives planned by HO/RO for day-to-day collection performance improvement. Designing ground level plans for executing the team strategies.


• Periodic performance review of the ACMs / CO’s & keeping close control to ensure the achievement of allocated collection targets.


• Periodic monitoring of the field capacity as per the Avg. Collection Ratio (ACR) and Monthly review of the state, location, agency performance, acting against the low performer ACMs, COs, DMAs (off rolls) & agencies. Identifying & suggesting new agencies / DMAs for collection &evaluation before empanelment of these agencies.


• Ensuring that the ACMs conduct periodic billing & processing of the pay-outs for their agencies / DMAs as per the approved pay out grids &maintaining the data of various collection costs incurred.


• Monitoring the liquidation of eligible repo assets and ensuring that the team below collects payment for approved for sale cases.


• Monitoring the Periodic requirement of the receipt books/ HHTs, mobile app codes / repo kits for the state. Monitoring the deposition of collection amount by the agencies across the state & ensuring timely action against agencies for non-adherence.


• Recommending for initiation of appropriate legal actions in chronic default cases in the state with co-ordination with the Area legal managers.


• Monitoring the daily productivity MIS & shared with the higher management along with the analysis for the states.


• Managing the customer service escalations for collection related issues for the state & ensuring amicable resolutions in the same.


• Providing inputs on the geo limits, negative areas & negative profiles in the various geographies in the states managed.


• Escalation of sales related issues (registration, dealer service issues, etc.) for the delinquent cases of the state with the RSMs /CBMs on a regular basis.

Key Skills Required

Soft Skills:

• Negotiation skills


• Working with others


• Relationship Management


• Result orientation


• Multitasking

Key Performance Indicators

• Achieving the target allocated for the hub


• Reducing the flow rate to the next buckets


• Managing the ACMs & maintaining their performance


• Managing the agencies & monitoring their performance

Additional Role Details