Area Collection Manager-Collections-Digi...

PeopleStrong; Karnal; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Aditya Birla Finance Limited (ABFL) seeks an Area Collection Manager to lead regional collections for digital small-ticket portfolios in Haryana. You will build and manage a high‑efficiency team, ensure compliance, and liaise with internal and external collections partners to optimize recoveries across the zone.

The role emphasises ECL and NCL management, agency oversight, and delivering strong delinquency controls in a fast-paced, regulated environment.

Qualifications

• Oversee regional collections operations and teams
• Ensure compliance with internal policies and regulations
• Liaise with in-house and external collections teams

Responsibilities

• Manage the digital small-ticket collections portfolio for the region
• Oversee performance of external agencies and drive efficient collections
• Ensure timely recovery and minimize delinquency and NPAs
• Provide coaching and training to the collections team

Skills

Collections Management

Education

Graduate

Job description

Area Collection Manager-Collections-Digi...

ABG109802

• Financial Services
• Haryana

Posted On 14 Aug 2026

End Date 10 Feb 2027

Required Experience 5 - 12 years

Basic Section

No. Of Position 1

Grade 10

Level Area Manager

Organisational

DEPARTMENT-1 Collections - Retail Digital

Country India

Skills

Skill

Collections Management

Graduate

CERTIFICATION

Job Description

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) ( Max 1325 Characters)

To manage the collections process at a Regional level, build and manage a best‑in‑class high efficiency Collections Team to enable delivery of ECL & NCL parameters. livery of ECL & NCL parameters and to liaise with in‑house and external collections teams and to oversee their activities, ensuring compliance with all internal policies and relevant regulations.

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

Other Quantitative and Important Parameters for the job

• Digital Book is a small ticket higher bounce rate book on account of the construct of the segment and borrower profile
• ECL Management – Stage 1 and Stage 2 (feeder for Stage 3) Provisions to be managed by the incumbent for entire Zone.
• Strong vintage in handling the zone /region in debt management.
• Ability to conceptualize and effectively execute the various collections strategies with focus on Small Ticket Collections

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ( (Max 3975 Characters)

Organization Context

Aditya Birla Finance Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABFL is one of the top private diversified NBFCs in India. As of 31-Dec’20, ABFL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 Crores.

ABFL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABFL also has a Wealth Management division.

ABFL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Job Context

Collections function carries out monitoring of client wise exposure and portfolio exposure to identify ‘early warning signals’ of stress and to minimize NPAs. This monitoring is done by dedicated teams who specialize in managing delinquent customers who have come under financial stress due to unfavourable market events / changes in business patterns and as well as from those customers who have intentionally stopped payment of dues with mala‑fide intentions. It also carries out overdue loan recovery from defaulting clients.

The Small ticket segment comprises primarily Digitally sourced accounts with ticket sizes ranging 10k – 5 lacs. This role is responsible for enhancing business profitability through effective management of the delinquent portfolio in the respective zone.

The incumbent will be accountable for field collections for the customers in the region. For this segment, the collections model would primarily be an Agency Model for flows. The incumbent needs to have a strong understanding of small ticket business and challenges on the debt-management process.

4) 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)- Maximum 10 KRAs can be updated

Key Result Areas ( Max 1325 Characters)

Supporting Actions ( Max 1325 Characters)

ECL Management & Costs

• Monitor and Control delinquency and minimize ECL for portfolio
• Drive higher resolution rates resulting in reduced ECL
• Review, maintain control and Optimize the cost incurred towards collections of dues.
• Daily monitoring and regular reviews of delinquent portfolio

Portfolio review and monitoring

• Monitor location level and sub-product level portfolios – location level and at various product level within the Digital Portfolio.
• Work with non-performing defaulting borrowers to create optimum recovery solutions
• Developing various MISs to show different cuts and trends in the portfolio which can lead to necessary corrective action by collections team to enhance their performance and shows area of improvement.
• 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.
• Ensure good grip and control on the delinquent portfolio.
• Liaise with agencies to drive collections processes efficiently.
• Oversee selection processes for external agencies
• Continuously monitor agency performance against set parameters and targets
• Exercise adequate control on agencies to ensure collection of overdue debts in a timely manner

Compliance and audit

• Ensure that all documentation related to the collections process is maintained 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
• Plan and implement periodic audits of the collections teams, ensuring their compliance with all relevant policies and regulations

Customer escalations and complaints

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

People Management

• Provide oversight and be a coach and mentor for the team
• Ensure regular functional & behavioral trainings of team members in collaboration with HR
• Participate in relevant talent management and people development activities to ensure a healthy pipeline and an engaged team

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

Collections Manager : To manage the collections process at a location level (usually a Metro or State Capital) or few Tier 2-3 cities, working with non-performing defaulting borrowers to create optimum recovery solutions. To liaise with in‑house and external collections teams and to oversee their activities, ensuring compliance with all internal policies and relevant regulations.

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives

Relationship Type

Frequency

Nature

Internal

National Collections Manager, Area Collections Managers

Daily / regular

Portfolio update and alignment of strategy and activities

Credit/ Policy Teams

Updation of Collections Cases, MIS, Bounce details etc. Updates on policy changes.

Collections Strategy Team

Periodic

Market Intelligence, feedback, <12 mob feedback to Strategy / Risk Teams. Market Intelligence, feedback, <12 mob feedback to Strategy / Risk Teams. Cost, ECL and performance management

Legal Team

As needed

Litigation requirement for Delinquent borrowers.

External

Collections Agencies and Vendor Partners

Regular

Visits / discussions on portfolio; Reviews, case updates, exception reporting