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Debt Service Management Group

3.00 to 6.00 Years   Vishakhapatnam   27 Nov, 2023
ICICI Bank Ltd
Job LocationVishakhapatnam
EducationNot Mentioned
SalaryRs 3.0 - 6 Lakh/Yr
IndustryBanking
Functional AreaOthers
EmploymentTypeFull-time

Job Description

    About the roleAs a Relationship Manager Debt Service Management Group you get an opportunity to manage the mapped retail customer portfolio with a key focus on pre-delinquency management using data and technology and timely recovery of legitimate dues in cases of default. This requires a flair for building a relationship with the customer while adhering to the Fair To Customer Fair To Bank philosophy in every customer engagement, and also managing the channels being used for collections. You are expected to have fair market and customer portfolio insights and relay information back to stakeholders for the maintenance of a healthy portfolio and the implementation of process changes. Different products require a distinguished style of servicing; hence, it becomes imperative to have a good understanding of all the product features. Once an account is deemed an NPA, you will need to chart out the legal course of action while adhering to all audit and compliance guidelines. Another key aspect of the job is to maximize payments through the digital channel and offer any financial solution required by the customer through collaboration with teams at ICICI Bank.Key Responsibilities
    • Collection /Recovery:Efficient and timely collection of delinquent dues; administration of legal recourse
    • Customer Relationship:Understand customer portfolio, customer behaviour and repayment cycle; meet customers frequently
    • Channel Management:Manage efficiency of distribution channels comprising of agencies, call centers and feet on street
    • 360 degree-banking solutions Generate business opportunities and offer financial solutions across the product spectrum
    • Data Analysis:Interpret customer data to identify pre-delinquency trends
    • Behold our values:Ensure, Fair to Customer and Fair to Bank philosophy in every customer engagement.
    • Awareness of regulationsAbility to assess the impact of policies, rules, and regulations on your portfolio
    Key Qualifications & Skills
    • Educational QualificationMBA/PGDM with a minimum of 1 year & Graduate with a minimum 3 years of experience in the area of relationship management.
    • Communication SkillsDemonstrate strong communication skills in negotiation and conflict resolution.
    • Customer Escalation ManagementAbility to investigate and resolve complaints regarding incorrect debt collection attempts
    • Legal KnowledgeKnowledge of relevant legal requirements.
    • Delinquency AnalysisAbility to analyse reports on delinquent accounts and report misused payments to the Credit Bureau

Keyskills :
collectionsdebt recoverycross selling

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