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Description: Key Responsibilities: - Drive collection and recovery performance for soft bucket accounts (0-90 DPD). - Monitor overdue cases and ensure timely follow-up with customers. - Coordinate with branch teams, sales teams, and collection agencies for recovery actions. - Analyze portfolio delinquency trends and initiate corrective measures. - Ensure compliance with bank policies, regulatory guidelines, and fair collection practices. - Conduct customer visits and negotiate repayment plans where required. - Track collection efficiency, resolution rates, and bucket movement. - Prepare MIS reports and provide regular portfolio updates to management.