Area Technical Manager - Technical Valuation

To manage the valuations, technical audit and setting up standard processes and monitor the technical evaluation in the location/branch.

Core Responsibilities:

• Ensure that the NPAs are kept at minimum trigger levels and identify and recommend appropriate legal actions for stress contracts

• Manage portfolio movement and control loss for the specific product in the assigned region while ensuring that roll forward rates to higher buckets are kept within defined parameters

• Analyse & maintain zero delinquency within required parameters / policies and systems while dealing with delinquent customers, publish MIS and review daily collections, pending cases and expected delinquency

• Take adequate steps to ensure receipt of payments and recovery of bad debts while monitoring legal proceedings with in house & external legal team/advocates.

• Provide effective interdepartmental communication with operations, credit and sales by identifying negative areas and negative profiles. , developing systems that meet the local requirements and identifying correct channel partners in synch with the TATA Capital philosophy

• Ensure customer satisfaction through quick resolution of customer issues and complaints and by visiting high value/ strategic customers

• Facilitate competition mapping and market trends by collating information from the market to suggest changes

• Ensure that all the in-house officers / agencies in the location perform as per defined SLA while reducing costs incurred through vendors

• Manage productivity by fixing productivity parameters for DMA / Agencies / collection executives monitoring performance against set parameters and daily review of collection managers and monthly review of collection officers.

• Lead and supervise the collections team for the implementation of a recovery agenda through appropriate training, motivation and deployment strategies

• Ensure compliance to all Audit / NHB /IRB regulations as well as policies and procedures of the company.

Qualification:

Graduate, Masters/Post Graduate - Optional

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