Job Purpose
• Deliver on significant portfolio indicators and maximise resolution/ roll backs/ normalization / recoveries and influence reduction in bucket inventory by enhancing performance.
• Be the executor of collection strategies implemented by the ACLM/RCLM/Centre Head.
• To ensure that all laid down processes are adhered to without any deviations. Have checks and balances to ensure smooth process adherence.
Liaison with other functions and departments viz. sales , credit, operations , RIC, Legal Receivables Management
Job Responsibilities(JR) :
• Manage and deliver monthly performance in terms of, resolution, roll backs, recovery rates/ values as per the target set for the assigned portfolio.
• Review field follow-up for the portfolio managed towards achievement of target set.
• Monitor the agency / field executive’s performances periodically.
• Achieve the money collection under principal, fees & charges as per targets.
• Regular visit to yard and reporting thediscrepancies / compliant items as a visitreport. (Applicable for Auto, Two Wheeler,
Agri & CTG Loans)
• Ensuring timely allocation and field follow- up.
• Effectively address disputes, expired etc cases to prevent any probable escalation and highlight sensitive accounts to Area Collection Managers to prevent the same.
• Ensure trails updates are recorded in web- collections for follow-up on skip marking,deceased specifically apart from follow-up on normal portfolio.
• Ensure that the agency resources are optimally used wrt the number of visits, contacts, PTP conversion ratio etc.
• Ensure that calls are made on the portfolio thru recorded lines during the month at the agency level and field visit updates are available in the web-collections. Call recordings have to be validated and updated in the visit report submitted to the agency process Management
• All Banks process to be adhered to in totality in Unit performance
• Cash deposit process including monitoring TAT taken by agencies to deposit money collected.
• Receipt Management – including receipt recon, sighting of unused receipts, completion of lost receipt formalities.
• Settlement process involving issue of settlementletters to be in line with approvals received.
• Manage escalations and ensure resolution of all cases.
• Ensure repo process including repo kit to vendors, usage of repo app at agency level, valuation, sale of vehicle (online/ off line), RC
book updation are managed as per the laid down guideline.
• Training programs to be done monthly and all employees to be covered for minimum man hours every quarter.
• All vendor bills are processed within 30 days of work and no vendor bill is left unprocessed for 60 days at any given point of time
• Ensure 100% usage of collection system and receipt mobility (HHT).
• Ensure nil delay in cash TAT and mis-posting of payments Vendor Management
• Management of field/ referral vendors
• Ensure compliance from the vendors on laid down processes.
• Monitor performance of field agencies and address performance deficiencies.
• Ensure 100% compliance of critical items like DRA certification/ police verification etc.
• Code of conduct to be followed by the vendor across aspects of field and tele calling.
• In case of yard management, ensure set targets for the inventory movement in yard and sale process are met.
Regular review of vendors/yards basis their performance, man power invested productivity expectations and process norms.
Relationships and Roles
To ensure smooth functioning of day to day process, the position is critical to have close interaction with following functions
INTERNAL
• Sales (Sales Manager) : coordinating with sales for feedback and resolutions on Non-starters / frauds. Sharing data regarding negative profiles and areas basis portfolio trends
• Local Operations/CPU : coordinating for regular schedule uploads, receipt management, PDC management , PDC presentation. For retrieval of relevant documents for skip tracing and fraud cases
• Process team (Process Managers and Central team): For process and compliance related items EXTERNAL
• Collection Agencies : For delivery of numbers and compliance to process and regulatory requirement
Code Of Conduct & HR Trainings
To follow code of conduct guidelines of bank. Code of conduct training to be done at agency level as per process guidelines.
To nominate and get mandatory trainings done for self as per HR training schedules.
Legal
• Initiating legal in high POS delinquent cases.
• Coordination with legal team for effective use and execution of legal tools.
Educational Qualifications
Graduate / Post Graduate / MBA
Key Skills
• Should possess good communication skills
• Good leadership quality and molding and supporting the team for desired results as per management expectations(for \agencies/off-rolls staff)
• Should be able to handle deadlines and compliance items
• Should be good on follow up and accomplishment of targeted achievements
Experience Required
Sufficient hands on work experience of min. 2 years and above in financial industry
• Should have managed a team of agencies staff/outsourced staff demonstrating high level of competence.
• Should be mature enough to handle customer and agency xecutives/vendors pressurized situations and ensure targets /deadlines
• Should be mature enough to handle people in pressurized situations and ensure targets /deadlines met.
Major Stakeholders
Customers
• Branch Banking Team
• Operations / Sales / Process / RIC / Legal
Shubham Vishwakarma
Full Stack Developer - Averlon
About HDFC Bank
About
Company social profiles
Similar jobs
Skills
Laravel
Vue.js
PHP
Amazon Web Services (AWS)A tick against the following skill sets would surely strengthen the candidature
- Strong PHP, JS fundamentals
- PHP frameworks: PHP Laravel
- JS frameworks: Vue.JS
- RDBMS: MySQL, Mongo DB
Job Description:
1.Min. exp 6 year with design tools like Figma, XD, Photoshop.
2. Passion and enthusiasm for design, with a creative flair.
3. Experience in Wireframing/Flowcharts.
4. Being open to feedback and willing to make changes to your designs.
5.Candidates must have outstanding written and oral communication skills.
6.Should be self-motivated and creative thinking with logical abilities
Role : ServiceNow (ITSM +HRSD) Developer
Qualification :Bachelor's degree in computer science, Information Technology, or a related field.
Experience : 5 to 8 years
Location: Remote
Responsibilities:
- Collaborate with IT and HR stakeholders to gather requirements and translate them into technical specifications for ServiceNow ITSM and HRSD solutions.
- Design, develop, and configure ServiceNow ITSM and HRSD modules, including Incident Management, Change Management, Problem Management, HR Case Management, Employee Service Center, and Employee Onboarding.
- Customize ServiceNow workflows, business rules, UI policies, and notifications to support ITSM and HRSD processes and automation.
- Integrate ServiceNow with other systems and external platforms using APIs and web services.
- Collaborate with cross-functional teams to define and implement ITSM and HRSD best practices, ensuring alignment with industry standards and organizational goals.
- Conduct thorough testing of ServiceNow configurations and customizations to ensure high-quality deliverables.
- Provide ongoing support and maintenance for ServiceNow applications, troubleshooting issues and implementing necessary fixes or enhancements.
- Stay updated with the latest ServiceNow releases and ITSM/HRSD-specific features, proactively identifying opportunities for process improvement and system optimization.
- Collaborate with other developers, administrators, and business analysts to deliver integrated solutions that meet the needs of IT and HR departments.
- Document technical specifications, user guides, and standard operating procedures for ServiceNow applications and configurations.
- Provide technical guidance and mentorship to junior developers, promoting knowledge sharing and professional growth.
Qualifications:
- Strong expertise in ServiceNow ITSM and HRSD modules, including Incident Management, Change Management, Problem Management, HR Case Management, Employee Service Center, and Employee Onboarding.
- Proficient in ServiceNow development and configuration, including workflows, business rules, UI policies, and scripting using JavaScript.
- Experience with ServiceNow integration using APIs and web services.
- Familiarity with ITIL and HR processes, policies, and compliance requirements.
- ServiceNow certifications such as Certified System Administrator (CSA), Certified Implementation Specialist (CIS), and HR Service Delivery Implementation Specialist are highly desirable.
- Experience with Agile development methodologies.
Prepare and design concept note by use of Sketches, drawings and illustrations
Oversee design changes and improvements throughout the development process
Integrate technical and visual solutions into a design concept
Understand trends within the scope of the industry they are working in Expected Skill Sets
Portfolio with design projects that showcase a stunning aesthetic sense
Responding to the client in a professional manner
Building a strong relationship with the clients as well as the existing ones
Reviewing clients' feedback and implementing necessary changes
SKILLS REQUIRED
Hands on Adobe Photoshop, Illustrator, Aftereffects, premiere pro
Proficient communication skills, verbal and written
Ability to handle client relations
Highly creative mindset with an urge to experiment
Ensure efficient team working
Good time management
C++
NodeJS (Node.js)
MongoDB
Express
React.jsJob description
We are looking for a Node.js Developer responsible for managing the interchange of data between the server and the users. Your primary focus will be the development of all server-side logic, definition and maintenance of the central database, and ensuring high performance and responsiveness to requests from the front-end. You will also be responsible for integrating the front-end elements built by your co-workers into the application.
Responsibilities:
Have the passion and experience for building responsive, elegant and engaging experiences with future friendly web technologies
Integration of user-facing elements developed by front-end developers with server side logic
Writing reusable, testable, and efficient code with proper documentation
Design and implementation of low-latency, high-availability, and performance applications
Implementation of security and data protection
Integration of data storage solutions
Continually keep yourself and your design team updated with the latest changes in your industry’s standards
Requirements
1+ years Experience
Strong proficiency with JavaScript
Knowledge of Node.js, Express.js and other frameworks required to create a scalable and effective application
Understanding the nature of asynchronous programming and its quirks and workarounds
Good understanding of basics of SQL and/or NoSQL databases
Very strong understanding of working with at least one SQL or NoSQL database in node js(Without ORM preferably)
Understanding of commonly used node modules
Good understanding of server-side templating languages
Good understanding of server-side CSS pre-processors such as SASS, LESS, etc.
Basic understanding of front-end technologies, such as HTML5, and CSS3
Understanding accessibility and security compliance
User authentication and authorization between multiple systems, servers, and environments using OpenID, OAuth2.0, etc.
Creating secure and scalable APIs using standards like REST API, GraphQL, etc.
Integration of multiple data sources and databases into one system
Understanding fundamental design principles behind a scalable application
Understanding differences between multiple delivery platforms, such as mobile vs. desktop, and optimising output to match the specific platform
Creating database schemes that represent and support business processes
Implementing automated testing platforms and unit tests
Proficient understanding of code versioning tools, such as GIT Critical thinker and problem-solving skills Team player Good time-management skills Great interpersonal and communication skills.
Java
Go Programming (Golang)Amazon Web Services (AWS)Primary Responsibilities
- Design, architect and develop advanced software solutions in a cross functional Agile team supporting multiple projects and initiatives
- Collaborate with product owners and/or the business on requirements definition, development of functional specifications, and design
- Collaborate on or lead development of technical design and specifications as required
- Code, test and document new applications as well as changes to existing system functionality and ensure successful completion
- Take on leadership roles as needed
Skills & Requirements
- Bachelor’s Degree required, preferably in Computer Science or related field
- 3+ years of software development experience using GoLang/Java programming language
- Experience with cloud technologies (AWS/Azure/GCP/Pivotal Cloud Foundry/any private cloud) and containerization is required
- Experience with a micro-services architecture is a plus
- Excellent communication, collaboration, reporting, analytical and problem solving skills
- Experience with PostgreSQL or other Relational Databases
- Test-driven development mindset and a focus on quality, scalability and performance
- Strong programming fundamentals and ability to produce high quality code
- Solid understanding of Agile (SCRUM) Development Process required
C#
.NET- BE/BTech/MTech with 1-7 years of experience in .NET Framework like C#.Net and ASP.Net
- Atleast 1-7 years of experience on Web Application development with ADO.Net, HTML, CSS, JavaScript/Jquery
- Good experience in Writing Complex SQL Queries using any of the RDBMS Database like Oracle, SQL Server etc
- Experience in Creating and Testing Stored Procedures and Functions
Secondary Skills
- Ability to analyse the existing code in the application and identify the Program Logic
- Experience in implementing AJAX through Javascript/Jquery
- Experience in Creating Reports and Documents using Crystall Reports
- Experience in creating Front End Validations using JavaScript/Jquery
- Experience in doing Manual or Automated Test will be a plus
React NativeAmazon Web Services (AWS)Software Engineer, React Native.
Intro:
Empala is an exciting new fintech launching in Singapore. Empala aims to help workers in the SEA region get access to their pay & helping them save for unexpected expenses.
Job Description:
As fullstack developer at Empala you will be building and shaping our product. Our current offerings are centered around a React Native app (iOS & Android) with a serverless backend.
Empala is a flat and young organization, meaning every hand has a lasting impact on our product and our culture. You will report directly to the CTO and will in general be working closely with the founders. The job is of course mostly focused on building and maintaining our products, but in a small team you will have to wear a lot of hats, you could get involved in sales, marketing or anything in between, ideally you will see this as a positive thing and a chance to learn more about our users/customers/new areas of work.
Benefits:
At Empala we offer a competitive package that will be a mix of salary and employee stock options. We pay ourselves on demand meaning you can get paid for the work you have done when you wish it, be it daily, weekly, monthly or a combination of above.
Requirements:
The following requirements are a guideline, if you are missing some points but you are confident that you can master them in a reasonable amount of time there might still be a place for you at Empala.
Preferred
- React Native
- Backend tools and frameworks (express or any other, non JS is OK as well)
- Cloud providers, AWS preferred
- Git
Other requirements
- Fluent in english
- Proactive approach to problem solving
- A hunger to get stuff done
Nice to have:
- Experience with Redux, GraphQL, Typescript, AWS Amplify
- Experience with SCRUM and/or TDD
Follow CutshortShubham Vishwakarma
Full Stack Developer - Averlon