Please find below the JD and location.

Job Purpose / Role Summary:

The ARM is responsible for prioritizing visits to high-delinquency locations, monitoring NPA and write-off collections, and ensuring timely reporting to supervisors and business teams. The role includes conducting staff performance reviews, utilizing legal instruments for recovery, maintaining collection data, ensuring effective collection mechanisms, and addressing customer service or complaints efficiently.

Main Accountabilities:

• ARM will prioritize visit to locations with higher delinquency or more critical overdue or as instructed by supervisor in order to expedite collection process.
• ARM will follow up with the Collection Officers on a daily basis regarding visits to NPA/ Write-Off.
• Customers and proceedings of the entire Division. Further, reports on collections will be shared by.
• Him/ her to higher-ups as well as business team.
• Conducting monthly performance reviews of collection staff under him/ her along with the
• collection mechanism in order to ensure effective and efficient collection in Banking Units.
• ARM will ensure utilisation of various legal instruments (e.g.- notice, summon, warrant etc.) by
• CO-BU or himself/ herself for the purpose of collection.
• ARM will analyse and maintain data of Collection of his/her location and report submission on
• daily and monthly basis to supervisor or Business as required.
• Customer Service or Complaint Resolution

Experience / Skillset / Certifications Required:

• Educational Qualifications – Graduation
• Experience - 0 to 5 years
• Skills & Competencies - Strong knowledge of recovery and collection processes, including NPA and write-off management.
• Excellent leadership and team management skills to guide and review collection staff.
• Proficiency in data analysis, MIS maintenance, and report preparation.
• Sound understanding of legal recovery instruments and procedures.
• Effective communication and coordination skills with business teams and higher management.
• Strong decision-making, problem-solving, and negotiation abilities.
• Customer service orientation with skill in complaint handling and resolution.
• Time management and field monitoring expertise to ensure efficient recovery performance.

• Goals / KPIs:
• Goals:
• Ensure effective recovery and reduction of delinquency through focused field visits.
• Strengthen coordination with Collection Officers for NPA and write-off accounts.
• Improve collection efficiency across assigned Banking Units.
• Utilize legal recovery instruments effectively for faster resolution.
• Conduct monthly performance reviews to enhance team productivity.
• Maintain accurate data, MIS, and timely submission of recovery reports.
• Ensure high standards of customer service and prompt complaint resolution.
• Key Performance Indicators (KPIs):
• Percentage reduction in delinquency and NPA levels within assigned area
• Achievement of monthly and quarterly recovery targets
• Number of field visits and follow-ups conducted per month
• Timeliness and accuracy of daily and monthly report submissions
• Performance improvement of Collection Officers based on review outcomes
• Utilization rate of legal instruments for recovery cases
• Customer complaints resolved within defined timelines
• Compliance with organizational policies and audit requirements

Salary - Try to close within 40 to 43K.