AVP – Agency Management (Secured Loans Collections)

HSBC
Chennai
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 5+ yearsEducation: bachelorsSkills: ["Stakeholder management","Communication","Analytical skills","Risk management","Vendor management"]

Own end-to-end collections and recovery for a delinquent secured loans (home loans/mortgages) portfolio, driving resolution outcomes aligned to regulatory and HSBC conduct expectations. Lead agency-managed collections across delinquency stages, oversee NPA legal recoveries using secured recovery frameworks, and coordinate with legal counsel and internal stakeholders. Manage risk/control, ensure customer fairness and audit readiness, and improve vendor performance using KPIs such as Money Recovery Rate, roll/flow rates, and provision movements.

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FursaFursa
HSBC
HSBC
4 weeks ago

AVP – Agency Management (Secured Loans Collections)

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Last checked: 23 hours agoStatus: Live

Job Summary

Own end-to-end collections and recovery for a delinquent secured loans (home loans/mortgages) portfolio, driving resolution outcomes aligned to regulatory and HSBC conduct expectations. Lead agency-managed collections across delinquency stages, oversee NPA legal recoveries using secured recovery frameworks, and coordinate with legal counsel and internal stakeholders. Manage risk/control, ensure customer fairness and audit readiness, and improve vendor performance using KPIs such as Money Recovery Rate, roll/flow rates, and provision movements.
Location: Chennai
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Sr. Manager level

Key Responsibilities

  • •Own end-to-end collections and recovery for a delinquent secured loans portfolio, ensuring regulatory and conduct-aligned resolution outcomes.
  • •Lead agency-managed collections by setting strategy, allocating work, governing performance, and executing across delinquency stages.
  • •Drive NPA legal recoveries using secured recovery frameworks (SARFAESI/DRT/Civil/NCLT), coordinating with empanelled legal counsel.
  • •Maintain robust risk and control practices (conduct, reputational, operational, ISR/outsourcing governance) to ensure customer fairness and audit readiness.
  • •Improve vendor outcomes by tracking KPIs including Money Recovery Rate (MRR), flow rates, loss rates, GCL, and provision releases/saves.

Key Requirements

  • •5+ years’ experience in secured loans collections (home loans/mortgages) with strong exposure to agency/vendor management.
  • •Hands-on knowledge of secured recovery legal processes including SARFAESI, DRT, Civil, and NCLT.
  • •Strong understanding of collections regulations, conduct risk, customer fairness, and outsourcing/vendor governance.
  • •Ability to drive recovery performance using KPIs such as MRR, roll rates, GCL, resolution TAT, and provision saves/releases.
  • •Confident stakeholder management with legal counsel, debt collection agencies (DCAs), and internal risk/control and complaints teams.
Experience:5+ years
Education:Bachelor's
Skills:Stakeholder managementCommunicationAnalytical skillsRisk managementVendor management
Tech Stack:ArcherSARFAESIDRTNCLTNPA legal recoveries

Company Brief

HSBC
Global banking and financial services organisation offering retail, commercial, corporate and investment banking, wealth management, and global markets services across Europe, Asia, the Americas and the Middle East.
Industry: Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: London, United Kingdom
Founded: 1865
Glassdoor
Glassdoor: 3.6
WebsiteLinkedIn