1) Job Purpose:

To manage the collections process at a Regional level, build and manage a bestinclass high efficiency Collections Team to enable delivery of ECL NCL parameters. Delivery of ECL NCL parameters and to liaise with inhouse and external collections teams and to oversee their activities, ensuring compliance with all internal policies and relevant regulations.

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.

Other Quantitative and Key Parameters for the job
- Digital Book is a small ticket higher bounce rate book on account of the construct of the segment and borrower profile
- ECL Management Stage 1 and Stage 2 (feeder for Stage 3) Provisions to be managed by the incumbent for entire Zone.
- Strong vintage in handling the zone /region in debt management.
- Ability to conceptualize and effectively execute the various collections strategies with focus on Small Ticket Collections

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 (Max 3975 Characters)

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 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.

The Small ticket segment comprises primarily Digitally sourced accounts with ticket sizes ranging 10k 5 lacs. This role is responsible for enhancing business profitability through effective management of the

📌 Area Collection Manager (Kolkata)
🏢 Aditya Birla Insulators
📍 Kolkata