CCM-Cochin (Kerala)

Job Responsibilities

• Team Leadership and Management: Lead and manage a team of Collection Executives and collaborate with third-party recovery agencies. Provide close supervision, guidance, and support to ensure the team meets its targets. 

• Performance Monitoring: Drive the collections process for your assigned cluster. Monitor and manage key performance indicators (KPIs) such as resolution rates and delinquency buckets to ensure superior client experience and operational efficiency. 

• Delinquency Management: Take ownership of the portfolio's delinquency rates and recovery of overdue payments within the cluster. Implement strategies to control roll rates and minimize bucket-wise delinquencies. 

• Strategy and Execution: Develop and execute collections strategies tailored to the specific nature of overdue accounts in your cluster. Analyze data and portfolio health to make informed decisions and improve collections effectiveness. 

• Compliance and Process Adherence: Ensure strict adherence to collections processes and standard operating procedures (SOPs). Drive compliance with internal policies and regulatory guidelines. 

• Reporting and Analysis: Conduct daily monitoring and regular reviews of the delinquent portfolio. Prepare and present reports on cluster performance, challenges, and proposed solutions.
   Functional Competencies

• Leadership: Motivate and guide your team to achieve collections goals. Provide clear direction, regular feedback, and coaching to foster a high-performing team. 

• Analytical Skills: Use data to drive decision-making and identify opportunities for process improvements. Analyze collection trends and performance metrics to optimize strategies. 

• Communication: Communicate effectively with team members, senior management, and third-party agencies. Clearly articulate goals, expectations, and performance feedback. 

• Results-Oriented: Demonstrate a strong drive to achieve and exceed collections targets. Focus on delivering both short-term results and long-term milestones. 

• Must be a graduate with at least 5 

• 5+ years of experience in collections, with a minimum of 1-2 years in a team lead or supervisory role. 

• Prior experience in a bank, new-age NBFC, or Fintech company is highly preferred. 

• Strong ability to lead and motivate a team. 

• Excellent decision-making skills and the ability to work effectively under pressure. 

• Proactive and effective communication skills.

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

Insurance Benefits -

Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance

Wellness Program -

Employee Assistance Program, Medical Center, Emergency Support System

Parental Support -

Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program

Mobility Benefits -

Relocation benefits, Transfer Support Policy, Travel Policy

Retirement Benefits -

Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment

Other Benefits -

Higher Education Assistance, Car Lease, Salary Advance Policy