ABHFL - Collections Manager - Flows - Gwalior

Aditya Birla Capital; Madhya Pradesh; On-site; INR 400,000 - 700,000; Full time

Job summary

Aditya Birla Capital is seeking a collections specialist to drive recovery, monitor delinquent accounts, and ensure compliance with internal norms and regulatory requirements.

You will coordinate with sales, risk, policy and legal teams, respond to customer complaints, and support periodic audits of the collections function. This role requires proactive analysis and timely action to minimize credit losses and improve resolution rates.

Responsibilities

• Achieve collections targets by minimizing credit losses and driving higher resolution rates.
• Daily monitoring and regular reviews of delinquent portfolio.
• Work with non-performing defaulting borrowers to create optimum recovery solutions.
• Monitor customer accounts, flagging likely cases of default or delayed payment.
• Provide regular inputs to Management and stakeholders on delinquency trends and related issues.
• Maintain all documentation related to the collections process per internal norms and regulatory requirements.
• Respond to customer complaints regarding the collections process to ensure satisfactory outcomes.
• Participate in periodic audits of the collections teams.
• Coordinate with the legal team and senior management in escalated cases to ensure regulatory compliance.

Job description

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