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Job Description

Aditya Birla Capital Limited

Area Collections Manager - SME Collections - Coimbatore

Location: Coimbatore - ESR Avenue, Tamil Nadu

Job Description

Key Result Areas

Supporting Actions 

Achieve collections targets 

  • Minimize credit losses for portfolio
  • Drive higher resolution rates. 
  • Daily monitoring and regular reviews of delinquent portfolio 
  • Work with non-performing defaulting borrowers to create optimum recovery solutions

Portfolio review and monitoring

  • Monitor customer accounts, flagging likely cases of default or delayed payment 
  • 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.

Compliance and audit

  • Maintain all documentation     related  to  the     collections  process  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 ABCL as well as its customers  
  • Participate in periodic audits of the collections teams

Customer escalations and complaints

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

Relationships: 

Relationship Type Frequency Nature 

Internal

 

 

Regional Collections Manager / Area Collections Manager

Daily / regular

Portfolio update and alignment of strategy and activities

Credit/ Policy Teams

Weekly

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

Minimum Experience Level

9 - 20 years

Job Qualifications

Under Graduate

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