AGM – Regional Credit Lead

Cash Flow & Compliance: Improve cash flow & Drive Compliance in Credit Process
(1) 100% Bank reconciliation & suspense account posting
(2) 100% Refund Compliance / POD updates
(3) 100% TRAI and other audit compliance & NCP

Onboarding & Credit Management: To ensure quality of acquisition, minimizing

credit risk & control customer retention
(1) Governance on Quality of Acquisition
(2) Reduction of Fresh flow to Bad Debt from 0-6 month cases
(3) Seamless and on time completion of physical verification / 6 monthly verification
(4) Accurate Profiling, Assessment and enlistment
(5) Risk Analytics of SME and SOHO Penetration
(6) Ensuring blacklisting of enterprises with high default

Special Projects: Cost Optimization via process efficiencies, systems, tools & analysis
(1) Green bill penetration
(2) Ensuring Printing TAT, Pick-up Delivery TAT by Courier Agencies & on time delivery

of summary bill / bill on CD
(3) Reduction of "Bill Not Recevied" complaints, Physical Bill Return & Hard bounce analysis
(4) Achieve Banking / Bill Delivery costs

Digital  To ensure process mapping, journeys and capabilities in customer and

non customer facing digital assets to build customer experience.
(1) Adoption of employee platforms – Smart Collect etc
(2) 98% Digital payments (All LoBs)
(3) Automation / digitization of processes
(4) UAT and implementation of new system changes

Credits Operations: Credit monitoring & billing operations.
(1) Monitor exposure impact on bad debt
(2) Monitoring FRS alerts and actions
(3) Monitoring SSC Operations