Job Requirements About the Role The Area Debt Manager – Call Centre is responsible for managing a team and coordinating operational recovery activities for a credit portfolio within an assigned territory. This includes administering corporate policies and procedures to minimize front-end delinquencies. The role involves close collaboration with the legal team to obtain sound legal advice on managing delinquencies. The role bearer holds end-to-end responsibility for collections in the allocated area, contributing to the bank’s broader organizational objectives. This is a critical role with direct impact on the financial institution’s budget planning. Key Responsibilities Primary Responsibilities • Handle collections for specific products in the assigned area. • Ensure collection efficiency and manage the cost of collections. • Track and control delinquency bucket-wise and DPD-wise, with a focus on non-starters. • Review account allocations and set collection targets by bucket for agencies and in-house teams. • Follow up regularly with defaulting customers through a dedicated team. • Ensure adherence to legal guidelines by collection agencies and executives. Secondary Responsibilities • Manage productivity by setting parameters for in-house teams, agencies, and collection executives, and monitor performance daily. • Ensure adequate 'Feet on Street' availability area-wise, bucket-wise, and segment-wise. • Conduct detailed background and reference checks for appointed agencies and DCTs and evaluate them regularly. • Collaborate with the legal team to initiate legal action on specified cases. • Build relationships with key clients to ensure timely collections. • Determine suitable tactics and strategies for timely collections. What We Are Looking For Education • Graduation - Any graduate. Experience • Minimum of 5-10 years of relevant experience. Skills and Attributes • Strong leadership and team management skills. • Excellent communication and interpersonal abilities. • Sound understanding of collection processes and legal guidelines. • Ability to analyze data and make strategic decisions. • Proficiency in monitoring performance metrics and productivity parameters.