Area Collections Manager - Front End

Role Overview

This position is focused on managing front-end collections operations for the Noida area within Aditya Birla Capital’s lending business. The role is responsible for driving recoveries, controlling delinquency, coordinating with internal stakeholders and external agencies, and ensuring that collections activity remains compliant, efficient, and cost-effective.

Key Results and Operational Focus

• Work toward meeting area-level collection targets and financial objectives.
• Track delinquency closely and take action to reduce credit losses across the portfolio.
• Improve resolution outcomes by strengthening follow-up and recovery efforts.
• Ensure sufficient team coverage across locations, buckets, and customer segments.
• Keep charge-offs to a minimum and improve recoveries from written-off accounts.
• Continuously review collections spend and manage costs linked to dues recovery.
• Carry out daily portfolio monitoring and recurring reviews to identify account-level action points.

Portfolio Review and Analysis

• Observe customer accounts across the region to identify signs of delayed payment or default.
• Engage with defaulting borrowers to structure practical recovery approaches.
• Create and maintain MIS reports that highlight trends, portfolio segments, and performance gaps requiring action.
• Share regular updates with management and cross-functional teams such as Sales, Risk, and Policy on collections outcomes, delinquency patterns, negative locations, negative profiles, non-starters, skips, fraud cases, and related issues.

Vendor and Agency Management

• Coordinate with collection agencies to keep recovery operations running effectively.
• Participate in the selection process for external agencies.
• Track agency productivity and service quality on an ongoing basis.
• Maintain strong control over agency activity to support timely recovery of overdue dues.

Compliance, Audit, and Documentation

• Maintain all collections-related records in line with internal standards and regulatory expectations.
• Handle customer complaints related to collections and work toward resolutions that are fair to both the company and the customer.
• Plan and conduct periodic reviews of the collections function to ensure policy and regulatory compliance.

Escalations and Legal Coordination

• Work with the legal team and senior leadership on escalated matters while ensuring regulatory compliance.

Team Leadership and Development

• Guide, coach, and support the team in day-to-day execution.
• Coordinate with HR to ensure regular functional and behavioral training for team members.
• Contribute to talent planning and employee development efforts to build a strong and engaged team pipeline.

Additional Information

The source content does not specify compensation, experience range, education requirements, eligibility, number of openings, notice period, or start date.