Regional Collection Manager - Retail Unsecured Flows - Hyderabad

Birla Carbon; Secunderabad; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Birla Carbon is seeking a Regional Collection Manager to oversee the management of delinquent accounts in Secunderabad. The successful candidate will drive resolution strategies and minimize NPAs while monitoring the cost of collections processes.

This position requires strong leadership and analytical skills to manage both in-house and agency-driven collections. A degree in Finance or a related field and a proven track record in collections management are essential.

Qualifications

• Experience in collections management, especially in unsecured retail flows.
• Proven track record in managing delinquent portfolios.
• Ability to lead and mentor a team effectively.
• Strong analytical and problem-solving skills.

Responsibilities

• Drive resolution and manage delinquent collections.
• Monitor costs and optimize collections strategies.
• Develop reports for management review.
• Cooperate with legal teams for escalations.

Skills

Monitoring delinquency

Cost optimization

Customer relationship management

Team leadership

Legal compliance

Education

Degree in Finance or related field

Job description

Regional Collection Manager - Retail Unsecured Flows - Hyderabad

Job Description

To drive resolution and normalization in the earliest delinquent buckets (Front-End) of the entire retail portfolio in order to meet ECL provisioning and minimize NPAs as per ABFL policies and collections strategy at a Zonal/Regional Level.

Job Purpose

To drive resolution and normalization in the earliest delinquent buckets (Front-End) of the entire retail portfolio in order to meet ECL provisioning and minimize NPAs as per ABFL policies and collections strategy at a Zonal/Regional level.

Job Context & Major Challenges

Aditya Birla Finance Limited is a lending subsidiary of Aditya Birla Capital Limited, registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company. It offers end-to-end lending solutions to diverse customers – Retail, HNI, MSMEs, and Mid & Large Corporates, through secured and unsecured loan products. Collections function monitors client-wise exposure to identify early warning signals of stress and minimize NPAs, with dedicated teams managing delinquent customers and overdue loan recovery.

The unsecured high ticket segment comprises PL/BL accounts with ticket sizes ranging 10L-100L. This role is responsible for enhancing business profitability through effective management of the delinquent portfolio in the respective region. It involves field collections and managing both in‑house and agency-driven collections models.

Key Result Areas

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 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
• Develop MIS to illustrate portfolio trends and support corrective action
• Provide inputs to Management and stakeholders such as Sales, Risk, and Policy Team on collections trends and issues
• 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 timely collection of overdue debts

Compliance and Audit

• Ensure documentation related to the collections process is maintained in accordance with internal norms and regulatory requirements
• Respond to customer complaints regarding the collections process, ensuring satisfactory outcomes for both ABFL and customers
• Plan and implement periodic audits of the collections teams, ensuring 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 serve as coach and mentor for the team
• Ensure regular functional and behavioral trainings of team members in collaboration with HR
• Participate in talent management and people development activities to maintain a healthy pipeline and an engaged team

Job Purpose of Direct Reports

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

Relationships

Internal

• National Collections Manager, Area Collections Managers: Daily/regular portfolio updates and alignment of strategy and activities.
• Credit/Policy Teams: Updates on collections cases, MIS, bounce details, and policy changes.
• Collections Strategy Team: Periodic market intelligence, feedback, cost, ECL, and performance management.
• Legal Team: As needed for litigation requirements for delinquent borrowers.

External

• Collections Agencies and Vendor Partners: Regular visits/discussions on portfolio; reviews, case updates, and exception reporting.
• Customers: As needed for escalations and follow‑ups.