ABHFL - Regional Collections Manager - Front End - Indore

Aditya Birla Capital; Madhya Pradesh; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Aditya Birla Capital in Madhya Pradesh is looking for a collections manager to oversee on-ground teams and ensure timely collection of overdue payments. This role includes building and managing an engaged team, implementing compliance norms, and negotiating with delinquent customers. The ideal candidate should possess strong management skills and be capable of motivating the team while navigating challenges in the collections process. The position offers an opportunity to enhance business profitability through effective portfolio management.

Responsibilities

• Manage the on-ground teams and agencies to ensure timely collection of cases across all buckets.
• Build and manage an engaged collections team that takes pride in their work.
• Recruit, coach and mentor the team; identify team goals and evaluate team progress.
• Implement and manage all compliance, regulatory and other customer-experience related norms during execution.
• Leverage alternate resolution mechanisms including legal to maximise collections & recoveries.
• Conduct regular & timely team reviews to increase engagement levels and improve performance.
• Negotiate to personally convince delinquent customers to make payments on overdue accounts.

Job description

Overview

The Risk & Compliance function carries out monitoring of client‑wise exposure and portfolio exposure to identify early warning signals of stress and to minimise NPAs. Monitoring is performed in association with Business Teams as RMG does not have a presence at branch level. The function also carries out overdue loan recovery from defaulting clients in coordination with Business Teams. It aims to enable enhanced business profitability through the effective management of the delinquent portfolio for Housing Finance.

Job Role

• Manage the on‑ground teams and agencies to ensure timely collection of cases across all buckets.
• Build and manage an engaged collections team that takes pride in their work.
• Recruit, coach and mentor the team; identify team goals and evaluate team progress.
• Implement and manage all compliance, regulatory and other customer‑experience related norms during execution.
• Leverage alternate resolution mechanisms including legal to maximise collections & recoveries.
• Conduct regular & timely team reviews to increase engagement levels and improve performance.
• Possess good negotiation skills to personally convince delinquent customers to make payments on overdue accounts.

Key Challenges

• Understand and manage exposure to Home Loan & LAP products; grasp collections dynamics.
• Manage flow rates across buckets targeting month‑on‑month reduction of credit losses for the region.
• Navigate secured lending complexities from legal process to complete documentation.
• Obtain information from customers that can be shared with the risk team for future deals.
• Keep the team motivated, maintaining high morale at all times.