RM - Debt Service Management
- ICICI Bank
- 1 - 6 years
- Mumbai
- 2 days ago
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Job Description
About the role
As a Relationship Manager - Debt Service Management Group, you get an opportunity to manage the mapped retail customer portfolio with a critical 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 Bank Fair To Customer 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 critical 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
Generate business opportunities and offer financial solutions across the product spectrum.
Data Analysis
Interpret customer data to identify pre-delinquency trends.
Collaboration
Ability to collaborate with multiple internal groups to provide efficient services to the mapped clients in line with the principle of Fair to the Bank, Fair to the customer.
Qualifications & Skills
Educational Qualification
MBA & Graduates with relevant work experience of 1-8 years in the area of relationship management across industries.
Delinquency Analysis
Ability to analyse reports on delinquent accounts and report misused payments to the Credit Bureau.
Customer Escalation Management
Ability to investigate and resolve complaints regarding incorrect debt collection attempts.
Legal Knowledge
Knowledge of relevant legal requirements.
Communication skill
Good oral and written communication skills.
Awareness of regulations
Ability to assess the impact of policies, rules, and regulations on your portfolio.
Job Classification
Industry: BankingFunctional Area / Department: BFSI, Investments & TradingRole Category: Banking OperationsRole: Relationship ManagerEmployement Type: Full timeContact Details:
Company: ICICI BankLocation(s): Mumbai
Keyskills: Debt Service Management Customer Relationship management Customer Escalation Management Data Analysis Collection Channel Management
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