Area Collection Manager - Unsecured Sala...

PeopleStrong; Jaipur; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Aditya Birla Finance Limited is seeking an Area Collection Manager for unsecured portfolios, located at Jaipur, Rajasthan. You will lead the regional collections effort, coordinating in-house officers and external agencies to maximize recoveries while ensuring adherence to RBI and internal policies.

The role demands strong leadership in collections, stakeholder collaboration, and market-aware strategies to reduce NPAs across metro/State capital areas. UPS/field presence preferred.

Qualifications

• Experience in collections management at location level and handling non-performing borrowers.
• Overseeing in-house and agency collections teams to optimize recoveries.

Responsibilities

• Achieve collections targets and financial goals for the area.
• Portfolio review and monitoring across the region to identify delinquency signals.
• Ensure compliance with internal policies and regulatory requirements in collections processes.
• Coach and mentor collections staff, and coordinate training with HR.
• Oversee selection and performance of external agencies; drive timely collections.

Skills

Collections Management

Collection Team Management

Education

Graduate

Job description

Area Collection Manager - Unsecured Sala...

Area Collection Manager - Unsecured Sala...

ABG105257

• Financial Services
• Rajasthan

Posted On 29 May 2026

End Date 25 Nov 2026

Required Experience 8 - 14 years

Basic Section

No. Of Position 1

Grade 10

Level Area Manager

Organisational

DEPARTMENT-1 Collections - Retail Unsecured

Country India

State Rajasthan

Worksite International Busi cntr,Jaipur

Skills

Skill

Collections Management Collection Team Management

Graduate

CERTIFICATION

Job Description

Job Purpose

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 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.

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.

Team Size

4-9 (varies by location)

Other Quantitative and Important Parameters for the job

• ECL Targets for the State / Product for Stage 1, 2 & 3 (as applicable) – direct impact on P&L
• Cost of Collections – deliver a cost performance better than the budget at the State Level
• Hiring, building and mentoring a high performance collection steam to manage the State / Area / Region

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.

This role is responsible for enhancing business profitability through effective management of the delinquent portfolio in the respective area. The incumbent will be accountable for field collections for the customers in the area. For this segment, the collections model is a combination of in-house (for ticket sizes >10L) and partly agency-driven (for small ticket sizes) so the area manager will need to effectively oversee both inhouse collections officers as well as agency managers.

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)

Achieve collections targets and financial goals for the area

• Monitor and Control delinquency and minimize credit losses for portfolio
• Drive higher resolution rates.
• Ensuring adequate headcount availability location-wise / bucket-wise / segment-wise.
• Ensure Charge offs are minimized and higher recoveries from charge-off accounts.
• Review, maintain control and minimize the cost incurred towards collections of dues.
• Daily monitoring and regular reviews of delinquent portfolio to make account level

Portfolio review and monitoring

• Monitor customer accounts across the region, identifying and flagging likely cases of default or delayed payment
• 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.
• Liaise with agencies to drive collections processes efficiently.
• Oversee selection processes for externa agencies
• Continuously monitor agency performance
• 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 Officer : To manage the collections process for a set of delinquent accounts within a location, working with non-performing defaulting borrowers to create optimum recovery solutions.
• Agency Collections Manager : To manage the collections process for a set of delinquent accounts within a location, working with non-performing defaulting borrowers to create optimum recovery solutions, 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

Regional Collections Manager, Collection Officers, Agency 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.

Legal Team

As needed

Escalations, customer complaints

External

Collections Agencies and Vendor Partners

Regular

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

Customers

As needed

Escalations and follow-ups.

7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.