Regional Collection Manager - Unsecured Flows - Pune

Aditya Birla Capital; Maharashtra; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Aditya Birla Capital is seeking a Regional Collections Manager for unsecured self-employed segments across Pan India. You will drive early-resolution collections and ECL controls, leading a zonal team to optimize recoveries in high-ticket portfolios.

The role emphasizes strong leadership, analytical capabilities, and experience in managing both in-house and outsourced collections for large-ticket loans.

Qualifications

• Manage a PIL book at a zonal level (around 500 Cr in PIL for large-ticket loans).
• Drive ECL management of Stage 1 & 2.
• Lead collections strategies with strong negotiation, leadership and collaboration.

Responsibilities

• Monitor delinquency and minimize ECL for the regional portfolio.
• Coordinate in-house and vendor-driven collections for high-value accounts (>₹10L).
• Develop MIS reports to show different portfolio cuts and insights.

Job description

Basic Details

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business

Financial Services

Unit

Aditya Birla Capital Ltd.

Location

Pan India

Poornata Position Number of the job

Reports to: Poornata Position Number

00164344

Poornata Position Title of the job

Regional Collections Manager- Unsecured Self Employed

Reports to: Poornata Position Title

Head Collection – Unsecured Self Employed

Function

Collections

Reports to: Function

Collections

Department

Retail Lending & Collections

Reports to: Department

Retail Lending & Collections

Designation Of The Employee

Regional Collection Manager- Unsecured Self Employed

Manager’s Designation

Vertical Lead - Collections

Date of writing/ Updation of JD

13 th May 2026

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

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

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

Flows – 11 – 15

Other Quantitative and Important Parameters for the job

Quantitative Parameters

• Managing a PIL book at a zonal level, which usually is around 500 Cr in PIL (Large Ticket >10 Lacs) (Per Zone)
• ECL management of Stage 1 & 2
• High Resolution and Rollback efficiencies in Flows (Pre-NPA Buckets)
• Cost Efficiency Save – By Internalizing the team – 30% Cost Save
• Strong vintage in handling the zone /region in debt management.
• Ability to conceptualize and effectively execute the various collections strategies
• Market understanding and collections/Fraud techniques
• Excellent leadership, Analytical, Negotiation, influencing and communication skills.
• Strong interpersonal skills and good team player.
• Experience in managing outsourced agencies /vendors.
• An initiator with very high level of energy
• Good understanding of SME business

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

ABCL 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. ABCL also has a Wealth Management division.

ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL 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 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. The incumbent will be accountable for field collections for the customers in the region. For this segment, the collections model would move towards an In-House Model for flows (for ticket sizes >10L) and partly agency-driven (for specific accounts that require vendor support) so the zonal manager will need to competent in managing both.

Key Result Areas

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

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
• Developing various MISs to show different cuts