Regional Collection Manager

Birla Carbon; Pune District; On-site; INR 1,000,000 - 1,500,000; Full time

Job summary

Birla Carbon is looking for a Regional Collection Manager to oversee the collections process in Maharashtra, ensuring compliance with internal policies and regulations. The role focuses on managing external and internal collections teams, implementing efficient recovery strategies, and maintaining customer engagement. Candidates should have at least 7-8 years of experience in a related role and possess strong leadership and negotiation skills. This is an opportunity to contribute to the profitability of the organization through effective debt management.

Qualifications

• Minimum 7-8 years of experience in a related field as Region In-charge/location head.
• Strong interpersonal skills and good teamwork.
• Experience managing outsourced agencies/vendors.

Responsibilities

• Manage the collections process at a regional level.
• Build and manage an engaged collections team.
• Implement and manage compliance with customer experience norms.

Skills

Leadership

Negotiation Skills

Analytical Skills

Team Management

Communication Skills

Job description

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

Regional Collection Manager

Designation: Regional Collection Manager

Job Description

Job Purpose

To manage the collections process at a regional level, 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.

Job Context

The Risk & Compliance function monitors client‑wise exposure and portfolio exposure to identify early warning signals of stress and to minimize NPAs. Monitoring is done in association with Business Teams as RMG does not have presence at the branch level. It carries out overdue loan recovery from defaulting clients in coordination with Business Teams. The role enables 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 maximize collections & recoveries.
• Undertake regular & timely team reviews to increase engagement levels and improve performance.
• Use negotiation skills to personally convince delinquent customers to make payments on their overdue accounts.

Key Challenges

• Understanding and exposure to Home loan & LAP product lending collections dynamics.
• Managing flow rates across buckets targeting month‑on‑month reduction of credit losses for the region.
• Secured lending involves extensive legal processes and full documentation.
• Collecting information from customers that can be shared with the risk team for future deal decisions.
• Motivating the team and maintaining high morale.

Enabling Skill Sets & Qualifications

• Minimum 7-8 years of experience in a related field as Region In‑charge/location head.
• Exposure to Credit and other line functions is desirable.
• Experience managing outsourced agencies/vendors.
• Ability to leverage legal tools to improve collections efficiency.
• High energy and proactive initiator.
• Ability to conceptualize and effectively execute various collections strategies.
• Strong interpersonal skills and good teamwork.
• Excellent leadership, analytical, negotiation, influencing and communication skills.
• Market understanding and knowledge of collections/fraud techniques.

Key Result Areas

KRA (Accountabilities) (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Key Result Areas (Detailed)

• KRA1 – Manage the collections process at a regional level, streamline operations and minimize costs of default and bad debt; monitor customer accounts, identify and flag likely cases of default or delayed payment; work with non-performing borrowers to create optimum recovery solutions; maintain documentation in accordance with internal norms and regulatory requirements; respond to customer complaints regarding the collections process; plan and implement periodic audits of the collections teams; coordinate with legal team and senior management for escalated cases.
• KRA2 – Liaise with internal and external agencies to drive the collections process efficiently; review the status of outstanding collections on a periodic basis; plan and implement corrective action for timely collections; oversee selection and training of external agencies; liaise with external agencies for timely collection of overdue debts; liaise with legal/law enforcement authorities on escalated cases.