Recovery Head (Collections & Legal)

• Define and execute collections, recovery, and legal strategy for EV loan portfolios across buckets (early, mid, late, and write -offs).
  
• Build scalable frameworks for pre -delinquency controls, soft collections, hard recovery, and legal action.
  
• Act as a strategic partner to Credit, Sales, Ops teams to improve overall portfolio health.
  
• Drive data -backed decision -making for recovery prioritization and resource allocation.
  

• Oversee field collections, tele -collections, repossession, and asset tracing across locations.
  
• Establish clear SOPs for bucket -wise collection, skip tracing, repossession, auction/resale, and settlements.
  
• Ensure ethical, compliant, and customer -sensitive recovery practices aligned with RBI and internal policies.
  
• Monitor key metrics: PAR (Portfolio at Risk), GNPA (Gross Non -Performing Assets), roll rates, resolution TAT, recovery efficiency, cost of collection.
  

• Own end -to -end repossession and resale lifecycle for EV assets.
  
• Empanel, manage, and audit repo agents, yard operators, valuers, and auction partners.
  
• Ensure maximum realization through structured resale channels, pricing discipline, and turnaround time control.
  

• Lead legal recovery actions including SARFAESI (where applicable), arbitration, civil/criminal cases, and settlements.
  
• Manage and monitor all legal repossession and recovery cases on a pan -India basis, ensuring timely action, cost control, and effective resolution.
  
• Ensure compliance with RBI guidelines, fair practices code, and internal governance standards.
  
• Provide legal inputs on recovery risk, policy improvements, and portfolio structuring.
  
  

• Build and scale a high -performance collection and legal team.
  
• Define KRAs, incentive structures, productivity benchmarks, and review mechanisms.
  
• Conduct regular audits, field reviews to prevent leakages and misconduct.
  

• Present portfolio performance, risk outlook, and recovery plans to senior management and leadership.
  
• ​Drive continuous improvement using analytics, MIS, and digital collection tools.
  

Requirements

• 10–15 years of experience in collections, recovery, and legal roles within NBFCs, banks, or vehicle finance companies.
  
• Strong exposure to CV finance, EV finance, or asset -backed retail lending.
  
• Hands -on experience in field recovery, repossession, auctions, and legal recovery.
  
• Deep understanding of RBI regulations, recovery laws, and compliance frameworks.
  
• Proven ability to manage field teams and channel partner ecosystems.