Job Purpose / Role Summary:

Responsible for overseeing field recovery operations and NPA borrower visits, coordinating with ROR, AICR, and DICR for effective recovery across the division. Ensures data analysis, MIS maintenance, staff performance reviews, and strategy formulation. Collaborates with business and Head Office teams to drive GL and SBAL recovery performance efficiently.

Main Accountabilities:

• Recovery field visit and NPA borrower visit
• Follow up in daily basis with ROR, AICR and DICR regarding NPA visits and proceedings of the entire Division
• Working in close coordination with the business team in prioritizing and selection of the Banking Units to focus on
• Conducting monthly performance reviews of recovery staff
• Responsible for GL and SBAL recovery either directly or through ROR, AICR
• Maintain a daily MIS
• Analyze and maintain data of recovery of the entire Territory and report submission on daily and monthly basis
• Strategy making for better recovery plans
• Conducting meetings and reviews as and when required
• Coordinating with the Head Office Team on regular basis
• Customer Service or Complaint Resolution

Experience / Skillset / Certifications Required:

• Educational Qualifications - Gradution
• Experience – 8 to 12 years
• Skills & Competencies Strong knowledge of recovery processes and NPA management
• Excellent field visit and borrower negotiation skills
• Proficiency in data analysis and MIS reporting
• Ability to coordinate with multiple stakeholders (ROR, AICR, DICR, Business & HO teams)
• Strategic planning and execution for recovery improvement
• Strong leadership and team performance review skills
• Good communication and interpersonal abilities
• Decision-making and problem-solving aptitude
• Time management and ability to work under pressure
• Sound understanding of banking operations and credit policies

Goals / KPIs:

Goals:

• Ensure effective recovery of NPA, GL, and SBAL accounts through timely field visits and follow-ups.
• Strengthen coordination with ROR, AICR, DICR, and business teams for improved recovery outcomes.
• Develop and implement data-driven recovery strategies to reduce delinquency and NPA levels.
• Enhance performance and accountability of recovery staff through periodic reviews.
• Maintain accurate MIS and ensure timely submission of recovery reports to the Head Office.

Key Performance Indicators (KPIs):

• Percentage of NPA reduction within the assigned territory
• Amount recovered against GL and SBAL targets
• Number of field visits and borrower interactions conducted
• Timeliness and accuracy of MIS/report submissions
• Performance improvement of recovery staff (measured via review outcomes)
• Adherence to recovery timelines and policy compliance
• Effectiveness of coordination with HO and business teams

Location - Ahmedabad & Pune