ABHFL - Regional Collections Manager - Recovery - Noida

ABC - Aditya Birla Housing Finance Limited; Uttar Pradesh; On-site; INR 600,000 - 1,200,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited seeks a collections professional to drive recovery initiatives, achieve targets, and oversee delinquency management across the loan portfolio, leveraging data to optimize strategies and reduce losses.

You will monitor customer accounts daily, coordinate with Sales, Risk and Legal teams, ensure compliance with internal norms and regulations, address customer complaints, and handle escalations to protect both customers and ABFL while upholding fair

Responsibilities

• Achieve collections targets and minimize credit losses while improving resolution rates.
• Monitor portfolios daily and review delinquency trends; provide inputs to management.
• Maintain documentation for collections per internal norms and regulatory rules.
• Coordinate with legal and senior management on escalated cases to ensure regulatory compliance.

Job description

Key Result Areas

Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result

Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result

areas (For a majority of jobs typically there could be 4- 7 key result areas)

Key Result Areas

Supporting Actions

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