Head - Hard Bucket & Recoveries

We are seeking a dynamic and results-driven Head - Hard Bucket & Recoveries to lead the end-to-end recovery function for our NPA portfolio. The ideal candidate will bring deep expertise in collections strategy, regulatory compliance, legal recoveries, and team leadership Job Responsibilities Lead and drive the end-to-end collections and recovery function across the NPA portfolio, ensuring optimal recovery performance and portfolio quality Develop and execute robust recovery strategies across early, mid, and late-stage delinquency buckets, including 60 DPD cases to maximize collections and minimize credit losses. Leverage MIS, analytics, and performance dashboards to drive data-backed decision-making, portfolio monitoring, and continuous process improvement. Champion digital collections and technology-led recovery initiatives to enhance operational efficiency, productivity, and customer engagement. Build, lead, and inspire high-performing collections and recovery teams, fostering a culture of accountability, performance excellence, and ethical practices. Ensure strict adherence to RBI regulations, NBFC guidelines, internal policies, and industry best practices across all collection and recovery activities. Partner with legal teams to drive recoveries through SARFAESI, arbitration, litigation, and other statutory recovery mechanisms wherever applicable. Manage and govern external collection agencies, recovery partners, and legal vendors, ensuring SLA compliance, governance standards, and ethical conduct. Balance recovery objectives with customer-centric engagement, effective risk mitigation, and the organization's reputation while maintaining the highest standards of professionalism. Collaborate cross-functionally with Risk, Credit, Operations, and Business teams to strengthen portfolio performance and drive sustainable recovery outcomes.