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Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
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Aditya Birla Capital Limited
Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrCorporate Governance Policies
Financial and Debt-Related Policies
Business and Partnership Policies
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| Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD |
Business | |||
Unit | Aditya Birla Capital Ltd. | ||
Location | |||
Poornata Position Number of the job | Reports to: Poornata Position Number | ||
Poornata Position Title of the job | Lead - Front end Collections | Reports to: Poornata Position Title | Head Collections - Front End |
Function | Collections | Reports to: Function | Collections |
Department | Collections | Reports to: Department | Collections |
Date of writing/ Updation of JD | Dec 2025 |
| 1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) |
To lead and manage national-level front-end collections for Aditya Birla Capital’s retail business, ensuring strong portfolio performance, consistent governance, and adherence to defined credit and operational risk parameters. The role focuses on driving regional collection heads and central teams to achieve targeted collection efficiencies, reduce delinquency, and optimize cost structures through effective use of analytics, technology, and vendor management |
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. | |||||
Parameters | Year 23-24 | Year 24-25 | Year 25-26 | Year 26-27 | Year 27-28 |
Act | Act | Plan | Plan | Plan | |
AUM in Cr. | 13865.85 | 16134.47 | 22908.46 | 26345.18 | 30571.47 |
Customer Base # | 173150 | 212411 | 237900 | 275965 | 321915 |
Credit Cost in Cr. | 310.62 | 422.54 | 503.53 | 564.63 | 649.03 |
Credit Cost % | 2.24% | 2.62% | 2.20% | 2.14% | 2.12% |
| 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 |
Organization Context: 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-Mar’25, ABCL has a pan-India presence with 450 branches and a lending book of Rs. 1.2 Lack 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. Business Context: The Retail Collections function within an NBFC like Aditya Birla Capital plays a critical role in safeguarding asset quality, minimising credit losses, and optimizing cash flows across the retail loan portfolio. It encompasses end-to-end oversight of overdue loan accounts, encompassing early intervention, portfolio monitoring, customer engagement for repayment, structured recovery strategies, and regulatory compliance. As a strategic pillar, collections not only protects the organization’s financial health by reducing delinquency and non-performing assets (NPAs) but also supports sustainable growth by balancing risk with cost-effective recovery practices across secured and unsecured retail credit products. Job Context The National Collection Manager oversees regional and zonal collection teams managing multiple products and delinquency stages. This role demands an analytical mindset to interpret performance data, identify improvement levers, and execute corrective actions across the network. The role also requires continuous liaison with credit, risk, and product teams to drive collection strategies, monitor partner performance, and ensure cost optimization while maintaining customer experience and compliance standards Challenges
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| 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) | |
Key Result Areas | Supporting Actions |
Portfolio Performance & Efficiency |
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Regional Governance & Team Management |
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Vendor & Agency Management |
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Process & Compliance Control |
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Analytics & Digital Integration |
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Stakeholder & Cross-functional Collaboration |
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| 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) |
Zonal Collection Manager - To lead and manage front-end collections operations for the assigned zone within Aditya Birla Capital’s retail business. The role is responsible for achieving targeted collection efficiency, controlling early delinquency, and maintaining robust governance and compliance standards. It involves executing national strategies at the zonal level through effective leadership of regional and agency teams, optimizing cost structures, and leveraging analytics, digital tools, and process discipline to enhance portfolio performance and minimize credit risk |
| 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 |
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CEO – ABFL, Head – RCMB NH STSL HR dept Marketing dept IT dept Risk dept Operations dept Head – Products & Process | Monthly Weekly ‘ Need Based/ Process Driven Need Based Need Based Weekly Weekly Need Based/ Process Driven | Business MIS, review on new market development & progress on objectives Review of channel expansion, sales strategies, client escalation cases and portfolio quality Manpower Planning, Recruitments, Performance Reviews, Training, Talent Management Marketing programs Back-end/ systems support Proposal evaluations, portfolio monitoring Discussion on cross functional requirement, new cases sanctions, pricing and credit evaluation, joint meetings. Client servicing issues, TAT reviews Product Innovation, performance and market intelligence |
External |
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| 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. |
| SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record. | ||
Job Holder | Reports to – Manager | |
Name | ||
Date of Entry / Approval |
14 - 21 years
Graduate