HDB Financial Services - Agency Manager - Auto Loans Collection

<p>Role Overview:<br/><br/>The Agency Manager - Auto Loans is responsible for managing collection agencies for the assigned delinquent portfolio, ensuring achievement of collection targets while maintaining strict compliance with process, audit, and cost guidelines. The role focuses on improving portfolio quality, optimizing field productivity, and driving agency performance through effective monitoring and governance.<br/><br/>Key Responsibilities:<br/><br/>Agency & Collections Management:<br/><br/>- Ensure collection targets defined for the allocated delinquent portfolio are met by the assigned agencies.<br/><br/>- Manage agencies effectively to maximize collections while controlling costs.<br/><br/>- Drive agency performance through milestone planning and regular reviews.<br/><br/>Process & Compliance Management:<br/><br/>- Ensure 100% compliance by agencies with mobile application usage, visit updates, and trail maintenance.<br/><br/>- Monitor e-receipts, cash collections, and timely money deposition by agencies as per defined processes.<br/><br/>- Ensure allocation visits and collection deposits are completed strictly as per company policies.<br/><br/>- Close agency billing accurately and on time.<br/><br/>Field Productivity & Analytics:<br/><br/>- Facilitate route planning and data analysis to optimize productivity of field resources.<br/><br/>- Track and ensure 100% field visits on allocated cases.<br/><br/>- Monitor and improve visit-to-collection conversion ratios.<br/><br/>Risk & Fraud Monitoring:<br/><br/>- Identify and escalate potential fraud cases to the Financial Crime Unit (FCU) in a timely manner.<br/><br/>- Ensure adherence to audit and risk control guidelines.<br/><br/>Systems & Operations Support:<br/><br/>- Manage ID card issuance, mobile application access, and resolve app-related issues for agency staff.<br/><br/>- Track allocations, agency performance, and billing metrics.<br/><br/>Portfolio Management:<br/><br/>- Actively manage delinquency buckets to reduce NPA levels and improve overall portfolio health.<br/><br/>- Ensure sustained improvement in collection efficiency and recovery ratios.<br/><br/>Desired Skills & 4-7 years of experience in collections, preferably in Auto Loans, Consumer Durable Loans, or Retail Lending.<br/><br/>- Hands-on experience managing collection agencies and field teams.<br/><br/>- Exposure to delinquent portfolio management across different DPD buckets is preferred.<br/><br/>Skills & Competencies:<br/><br/>- Good communication skills with a professional and persuasive personality.<br/><br/>- Strong analytical, organizational, and reporting skills.<br/><br/>- High level of self-drive, ownership, and result orientation.<br/><br/>- Ability to influence, motivate, and manage external agency teams.<br/><br/>- Strong understanding of collections processes, compliance, and audit requirements.<br/><br/>- Team player with the ability to work across cross-functional teams.<br/><br/>Preferred Background:<br/><br/>- Experience in NBFCs, Banks, or Financial Services organizations handling Auto Loans or Consumer Finance portfolios.<br/><br/>- Familiarity with mobile-based collection systems and digital field tracking tools.<br/></p> (ref:iimjobs.com)