Regional Collection Manager_Mumbai

Job Description

Basic Details

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

Business

Ficial Services

Unit

Aditya Birla Capital Ltd.

Location

Pan India

Position Number

Poornata Position Number of the job

Reports To

Poornata Position Number

Position Title

Regional Collections Manager Recovery

Reports To

NH Collections Recovery

Function

Sales

Department

Risk Legal Collections

Designation of the Employee

Manager's Designation

National Collections Head Recovery

Date of writing/Updation of JD

5 th Aug 2026

Job Purpose

To drive resolution and normalization in the Hard Delinquency Stage accounts (WriteOff) For retail / digital portfolio in order to meet ECL / NCL provisioning and minimize NPAs as per ABCL policies and collections strategy at a Zonal Level for both the Retail / Digital Book and to manage the collections process at a Regional level, build and manage a bestinclass high efficiency Collections Recovery Team to enable delivery of NCL parameters.

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 4 5
• ECL Charge Release by driving superior recovery in GNPA category
• Strong vintage in handling GNPA /Write Off book for the zone /region in debt management.
• Zonal Manager Recovery would be accountable to around Cr incremental provisioning for the Year.
• Delivery of Strong Write Off Recovery Pull back, which will be a direct positive impact on P L

Job Context

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 NonDeposit accepting NonBanking Fice Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31Dec 20, ABCL has a panIndia presence with 91 branches and a lending book of 560 Crores.

ABCL offers endtoend 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 Fice (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Fice, Mid and Large Corporate Loans, and Infrastructure Fice 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

The Regional Collections Manager for Recoveries has a clear task cut out. The incumbent is incharge of managing the Overall Stage 3 book, including fresh flows into GNPA, as well as significantly reduce the NPA block.

The GNPA block management will have a direct impact on the ECL (Incremental Provisions with forward flows) and ECL Releases (Provisions release with Account UpGrades on GNPA accounts)

Manage the Settlement losses, especially in Unsecured and Digital Business, where Sacrifices Settlement Negotiations are critical tools for stock reduction.

This monitoring is done by dedicated teams who specialize in managing delinquent customers who have come under ficial 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 malafide intentions. It also carries out overdue loan recovery from defaulting clients.

Competence of managing Both Retail Digital portfolios. This role is responsible for enhancing business profitability through effective management of the delinquent portfolio in the respective zone.

The incumbent will be accountable for empanelment of topclass vendors to work on our customers in the Zone. For this segment, the collections model would primarily be an Agency Model for Recoveries.

The incumbent needs to have a further have a strong understanding of small ticket business and challenges on the debtmanagement process.

Key Result Areas

Maximum 10 KRAs can be updated

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

• ECL Management Costs
  • Monitor and Control delinquency and minimize ECL for portfolio
  • Management of ECL Fresh Provisions ECL Releases through Account upgrades.
  • Strong Write Off recovery plans and Execution of the same to high performance
  • Review, maintain control and Optimize the cost incurred towards collections of dues.
  • Daily monitoring and regular reviews of delinquent portfolio

More Info

Education