ABHFL - Collections Manager - Flows - Gwalior

ABC - Aditya Birla Housing Finance Limited; Madhya Pradesh; On-site; INR 300,000 - 550,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited is seeking a Collections professional to drive delinquency reduction and optimize recoveries within defined targets. The role emphasizes daily portfolio review, escalation management, and collaboration with risk, policy, and sales teams.

The incumbent will ensure regulatory compliance, maintain thorough documentation, respond to complaints, and coordinate with the legal team for escalated cases, contributing to improved recovery outcomes and customer

Responsibilities

• Achieve collections targets by minimizing credit losses and driving higher resolution rates.
• Conduct daily monitoring and regular reviews of delinquent portfolio.
• Work with non-performing borrowers to create optimum recovery solutions.
• Coordinate with the legal team and senior management on escalated cases to ensure compliance.

Job description

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Supporting Actions (Max 1325 Characters)

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Achieve collections targets

• Minimize credit losses for portfolio
• Drive higher resolution rates.
• Daily monitoring and regular reviews of delinquent portfolio
• Work with non-performing defaulting borrowers to create optimum recovery solutions

Portfolio review and monitoring

• Monitor customer accounts, flagging likely cases of default or delayed payment
• Provide regular inputs to Management and all the other stakeholders such as Sales, Risk, Policy Team on various aspects of collections resolution and delinquency trends, Negative Areas, Negative Profile, Non-Starters, SKIPs, Fraud Cases, etc.

Compliance and audit

• Maintain all documentation related to the collections process in accordance with internal norms and regulatory requirements
• Respond to customer complaints regarding the collections process, taking steps to ensure a satisfactory outcome for both ABFL as well as its customers
• Participate in periodic audits of the collections teams

Customer escalations and complaints

• Coordinate with the legal team and senior management in the event of escalated cases to ensure compliance with relevant regulations