ACM-Collections Retail Front End - Hyd

Aditya Birla Capital; Telangana; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Aditya Birla Capital in Hyderabad seeks an Area Collection Manager for front-end retail collections across Telangana. You will lead a team of Collection Managers and external agencies to maximize recoveries, ensure regulatory compliance, and maintain portfolio health.

You will drive field visits, monitor MIS dashboards, coordinate with Sales, Credit and Ops, and build capabilities across teams. A background in retail loans and strong leadership are required.

Qualifications

• Experience in front-end retail collections operations.
• Strong understanding of retail loan products.
• Regulatory and ethical collection knowledge.

Responsibilities

• Manage front-end retail collections (Buckets 0–90 / Early to Mid DPD) across the assigned area.
• Lead and mentor a team of Collection Managers, field officers, and channel partners.
• Oversee collection agencies: onboarding, performance review, allocation, incentives.
• Achieve monthly collection efficiency and resolve delinquencies.
• Ensure RBI guidelines, company policies, and ethical practices are followed.
• Conduct field visits, joint calls, and monitoring of MIS dashboards.
• Coordinate with Sales, Credit, and Ops to improve portfolio quality.

Skills

Retail collections

People management

Agency management

Data & MIS

Negotiation skills

Education

Graduate / MBA

Job description

Job Description

Job Description

Position: Area Collection Manager – Retail Collections

Location: Hyderabad

Reporting To: Zonal / Regional Collection Head

Role Overview

The Area Collection Manager is responsible for managing front?end retail collections across the assigned geography. The role involves leading a team of Collection Managers and external collection agencies, ensuring timely recoveries, compliance with regulatory norms, and high-quality customer engagement while maintaining portfolio health.

Key Responsibilities

• Manage and oversee front-end retail collections (Buckets 0–90 / Early to Mid DPD, as applicable) across the assigned area
• Lead, mentor, and monitor a team of Collection Managers, field officers, and channel partners
• Manage and control collection agencies, including onboarding, performance review, allocation, and incentive management
• Achieve monthly collection efficiency, resolution, and roll-back targets
• Track delinquency levels, bucket movement, and aging trends; initiate corrective action plans
• Ensure compliance with RBI guidelines, company policies, and ethical collection practices
• Conduct regular field visits and joint calls to support teams and agencies
• Review daily MIS, dashboards, and performance reports; share insights and action plans
• Handle escalations, customer complaints, and sensitive recovery cases professionally
• Coordinate with Sales, Credit, and Operations teams to improve portfolio quality and prevent future delinquencies
• Drive training and capability building for internal teams and agency staff
• Ensure accurate documentation and system updates for all collection activities

Key Skills & Competencies

• Strong understanding of retail loan products (Personal Loans, LAP, Home Loans, Auto Loans, etc.)
• Hands-on experience in front-end collections operations
• Team leadership and agency management skills
• Ability to work with data, MIS, and performance metrics
• Strong negotiation, customer handling, and conflict resolution skills
• Sound knowledge of legal and regulatory frameworks related to collections
• High integrity with a customer-centric yet firm approach

Experience & Qualification

• 8–15 years of experience in retail collections within Banking / NBFCs
• Minimum 3–5 years in a people and agency management role
• Graduate / MBA preferred
• Prior experience handling Hyderabad / Telangana market is an added advantage