Area Technical Manager Tata Capital

About Tata Capital

Tata Capital Limited ("TCL"), the flagship financial services company of the Tata Group, is a subsidiary of Tata Sons Private Limited and is registered with the Reserve Bank of India as a Systemically Important Non-Deposit Accepting Core Investment Company ("CIC").

Tata Capital and its subsidiaries are engaged in providing/supplying a wide array of services/products in the financial services sector and operates across various areas of business: Commercial Finance, Consumer Loans, Wealth Services and distribution and marketing of Tata Cards.

Job Description

You will oversee valuations, technical audits, and the establishment of standard processes, as well as monitor technical evaluations in the location/branch. Your core responsibilities will include: - Ensuring that NPA's are maintained at minimum trigger levels and recommending appropriate legal actions for stress contracts. - Managing portfolio movement and controlling losses for a specific product in the assigned region, while keeping roll forward rates to higher buckets within defined parameters. - Analyzing and maintaining zero delinquency within required parameters/policies/systems, handling delinquent customers, publishing MIS, and reviewing daily collections, pending cases, and expected delinquency. - Establishing effective interdepartmental communication with operations, credit, and sales by identifying negative areas and profiles, developing systems meeting local requirements, and identifying correct channel partners in line with the TATA Capital philosophy. - Ensuring customer satisfaction through quick resolution of customer issues and complaints, as well as visiting high-value/strategic customers. - Facilitating competition mapping and market trend analysis by collecting information from the market to suggest changes. - Ensuring all in-house officers/agencies in the location perform as per defined SLA, while reducing costs incurred through vendors. - Managing productivity by setting productivity parameters for DMA/Agencies/collection executives, monitoring performance against set parameters, and conducting daily reviews of collection managers and monthly reviews of collection officers. - Leading and supervising the collections team for the implementation of a recovery agenda through appropriate training, motivation, and deployment strategies. - Ensuring compliance with all Audit/NHB/IRB regulations, as well as company policies and procedures. Qualifications: - Graduate, Masters/Post Graduate (Optional),