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 location level and sub-product level portfolios – location level and at various

product level within the Digital Portfolio.

 Work with non-performing defaulting borrowers to create optimum recovery solutions

 Developing various MISs to show different cuts and trends in the portfolio which can lead

to necessary corrective action by collections team to enhance their performance and

shows area of improvement.

 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.

 Ensure positive grip and control on the delinquent portfolio.





Vendor

Management

 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 collection of overdue debts in a timely

manner

Compliance and

audit



Ensure that all documentation related to the collections process is maintained 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 ABFL as well as its customers 

Plan and implement periodic audits of the collections teams, ensuring their 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

ensu

📌 Collection Manager- Digital, Medak
🏢 Abacus Consultants
📍 Medak