Basic Details:Fill the required information about business, unit, location, position, reports to position and date of updation of JD Business Financial Services Unit Aditya Birla Capital Ltd.

Location Pan India Poornata Position

Number of the job Reports to: Poornata Position Number Poornata Position Title of the job Regional Collections Manager - Recovery Reports to: Poornata Position Title NH Collections Recovery Function Sales Reports to: Function Sales Department Risk &

• Legal &

• Collections Reports to: Department Risk &

• Legal &

• Collections Designation of the Employee: Regional Collections Manager - Recovery Manager's Designation: National Collections Head - Recovery Date of writing/ Updation of JD 5^th Aug 2026 1) Job Purpose:Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters) To drive resolution and normalization in the Hard Delinquency Stage accounts (Write-Off) 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 best-in-class 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 Size

Team - 4 - 5 Other Quantitative and Important Parameters for the job - 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 INR 40-50 Cr incremental provisioning for the Year.
- Delivery of Strong Write Off Recovery Pull back, which will be a direct positive impact on P& L 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) 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 Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Dec'20, ABCL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 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.

Job Context The Regional Collections

Manager for Recoveries has a transparent task cut out. The incumbent is in-charge 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 Up-Grades 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 financial 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 mala-fide 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 top-class 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 debt-management process.

- 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)-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 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 good 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 ABCL 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 ensure compliance with relevant regulations People Management - Provide oversight and be a coach and mentor for the team
- Ensure regular functional & behavioral trainings of team members in collaboration with HR
- Participate in relevant talent management and people development activities to ensure a healthy pipeline and an engaged team 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) Area Collections Manager: To manage the collections process at a location level (usually a Metro or State Capital) or few Tier 2-3 cities, working with non-performing defaulting borrowers to create optimum recovery solutions. To liaise with in-house and external collections teams and to oversee their activities, ensuring compliance with all internal policies and relevant regulations.
- 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 National Collections Manager, Area Collections Managers 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.

Collections Strategy Team Periodic Market

Intelligence, feedback, 12 mob feedback to Strategy / Risk Teams.

Market

Intelligence, feedback, 12 mob feedback to Strategy / Risk Teams. Cost, ECL and performance management Legal Team As needed Litigation requirement for Delinquent borrowers.

External Collections

Agencies and Vendor Partners Regular Visits / discussions on portfolio Reviews, case updates, exception reporting Customers As needed Escalations and follow-ups. Page Break 7) Organizational Relationships:Provide the structure for a level above and below the position for which this 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

📌 Regional Collection Manager_Mumbai (India)
🏢 Aditya Birla Group
📍 India