Zonal Collections Manager

Role Summary

This position is responsible for overseeing collections activity across a region, with a focus on resolving delinquent and non-performing accounts through practical recovery approaches. The role also requires close coordination with internal and external collection partners while ensuring that all actions follow company policies and applicable regulations.

Company Overview

Aditya Birla Housing Finance Limited (ABHFL), part of Aditya Birla Capital Limited, is a housing finance company registered with the National Housing Bank under the National Housing Bank Act, 1987. The business provides a broad mix of housing finance products, including home loans, home improvement loans, home construction loans, balance transfer and top-up loans, loans against property, and construction finance. ABHFL obtained its licence on 9 July 2014 and has ambitious expansion plans.

The company has delivered steady growth along with sound asset quality despite market challenges. Although the housing finance market is led by a few major players, there is strong opportunity in segments such as affordable housing and self-employed borrowers. With increasing competition from banks, HFCs have continued to hold their position in the mortgage market, and ABHFL is targeting rapid scale-up to 5X growth, reaching INR 40,000 crore in the next five years. This would place the company among the top 5 percentile of HFCs in India.

ABHFL’s sales structure serves three broad customer groups: retail customers, institutional customers, and builders. Retail business remains the largest contributor. The customer base can further be split into salaried and self-employed segments, each with distinct financial needs and buying behaviour.

Role Context and Business Challenge

The Risk & Compliance team monitors customer and portfolio exposure to identify early signs of stress and reduce the risk of non-performing assets. Since this monitoring is not present at branch level, it is carried out in coordination with the business teams. The function also supports overdue recovery from defaulting customers while working alongside business stakeholders.

The main business objective is to improve profitability by effectively managing the delinquent housing finance portfolio.

Key Responsibilities

Lead collections operations at the regional level and work to reduce delinquency through structured recovery efforts.

Partner with non-performing borrowers to identify recovery solutions that are practical and effective.

Track customer accounts across the zone to identify accounts at risk of default or delayed repayment.

Maintain all collections-related records in line with internal standards and regulatory obligations.

Address customer grievances related to collections and work toward fair, satisfactory resolutions for both the company and the customer.

Conduct regular audits of collections teams to ensure adherence to internal policies and external regulations.

Work with the legal team and senior leadership on escalated matters and ensure actions remain compliant.

Coordinate with internal teams on a periodic basis to review overdue collections and implement corrective measures for timely recovery.

Manage the onboarding and selection of external agencies and ensure they receive appropriate training.

Work closely with external collection agencies to accelerate recovery of overdue amounts.

Coordinate with legal and law-enforcement authorities when cases require escalation and quicker resolution.

Experience and Skill Requirements

Candidates should bring 7 to 8 years of experience in a related role, preferably as a region in-charge or location head. Exposure to credit or other line functions is preferred.

Prior experience handling outsourced agencies or vendors is required.

The role calls for a self-driven professional with strong energy, the ability to design and execute collections strategies, and the confidence to influence outcomes.

Strong leadership, analytical thinking, negotiation, communication, and interpersonal skills are important, along with the ability to work well in a team.

Good knowledge of the market and collections or fraud-related practices is expected.

Additional Information

This is a full-time, onsite role based in Maharashtra, India.

No stipend or salary details were provided in the source.