Key responsibilities

Recovery and bucket management

• Drive recovery on 60+ DPD and NPA accounts against targets for collection efficiency, roll-back and NPA reduction.
• Review the delinquency report daily and set account-wise action plans.
• Run field visits and negotiations for settlements, restructuring and OTS within approved policy.
• Track PTP follow-through and bounced cases; escalate non-cooperative borrowers early.

Legal and asset recovery

• Initiate and follow up on legal notices: SARFAESI Section 13(2)/13(4), Section 138 NI Act, arbitration, DRT.
• Coordinate with advocates and track court dates and case status.
• Manage possession, valuation and auction of secured properties through approved agencies.
• Trace absconding or untraceable borrowers and guarantors.

Team and vendor management

• Lead, train and monitor recovery executives and field agents.
• Allocate portfolio, set targets and hold weekly reviews.
• Manage collection agencies, legal vendors and repossession agents, including performance and payout checks.

Compliance and reporting

• Follow RBI guidelines, the Fair Practices Code and the company collection policy; no coercive practices.
• Maintain accurate records of visits, communication, legal files and receipts.
• Submit MIS on collections, NPA movement, provisioning impact and legal status.
• Coordinate with sales, credit and operations on early-warning signals, documentation gaps and write-off or compromise proposals.