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Overdue Management


Position Title: State Collection Head
Organization: Electronica Finance Ltd
Location: Ludhiana
Department: Overdue Management
Reports to: Head of Department (HOD)
Reportees: Overdue Management Team
Grade: M6 / M7

Key Purpose of the Job (Position Summary)

This position is responsible for controlling defaults in all loans, Control NPA & Recover dues from written off portfolio of respective zone.
Control NPA of the EFL.

Key Functions & Responsibilities


  • Drive collection activity with keeping customer centricity and organizations reputation and values in mind
  • Reduce & Control NPA of the organization



  • Identify and repossess assets in chronic default cases.
  • Dispose of repossessed asset in set time frame with minimum loss


Team Management

  • Build, Lead, train and motivate team of mangers ensuring their career development and positive contribution to the company.
  • Guiding & Leading the team and field staff in understanding deliverables as per local flavor and thereby identifying positions which would help in effective achievement of targets


Work with cross function

  • Ensuring speedy resolution of queries and grievances to maximize satisfaction levels; maintaining excellent relations with all the departments to ensure collective efforts towards maintaining portfolio at its best.
  • Work with hand in hand with all the department as every department is directly or indirectly associated with portfolio management
  • Give them timely feedback about current situation and market update so we can drive our organization in correct direction.


Education: Any Graduate
Experience: 8 to 10 years (Age should not be above 35)
Language Skills: English, Hindi & Regional Language


Technical Competencies Required:

  • Specialized Knowledge of Secured and Unsecured Collection
  • Hard Core recovery experience
  • Good Negotiation Skills


Behavioral Competencies Required:

  • Interpersonal Relationships
  • Team Building
  • Analytical thinking
  • Commitment
  • Result oriented
  • Concern for quality
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