Kotak Mahindra Bank
Customer Assistance Manager-CREDIT CARD-Hardship Assistance Unit
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Manages collections and recovery operations for a retail credit portfolio, including repossessions, external collection agencies, legal coordination, field visits, and asset disposal. Oversees collection performance, ensures compliance with bank and regulatory policies, and trains and guides collections staff to improve performance and ethical recovery practices.
The Portfolio Manager – Retail Assets is responsible for managing collections and recovery operations within the assigned area. The role involves overseeing repossession activities, coordinating with external agencies, handling legal formalities, and ensuring timely resolution of delinquent accounts. The ideal candidate should be confident, field-ready, and capable of leading a team while maintaining high standards of compliance and operational efficiency.
ResponsibilitiesMonitor and maintain collection performance across the assigned portfolio.
Manage repossession activities and coordinate with repossession agents and sales teams for asset disposal.
Liaise with collection agencies to ensure effective recovery strategies.
Handle legal formalities related to collections and repossession in coordination with the legal department.
Conduct field visits as required to support and supervise collection efforts.
Train and guide the collections team to enhance performance and compliance.
Ensure adherence to bank policies, regulatory guidelines, and ethical standards in all collection activities.
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