Job Description
Position:
Area Collection Manager – Retail Collections

Location:
Hyderabad

Reporting To:
Zonal / Regional Collection Head

Role Overview
The Area Collection Manager is responsible for managing
front?end retail collections
across the assigned geography. The role involves leading a team of
Collection Managers and external collection agencies
, ensuring timely recoveries, compliance with regulatory norms, and high-quality customer engagement while maintaining portfolio health.

Key Responsibilities
- Manage and oversee front-end retail collections (Buckets 0–90 / Early to Mid DPD, as applicable) across the assigned area
- Lead, mentor, and monitor a team of Collection Managers, field officers, and channel partners
- Manage and control collection agencies, including onboarding, performance review, allocation, and incentive management
- Achieve monthly collection efficiency, resolution, and roll-back targets
- Track delinquency levels, bucket movement, and aging trends; initiate corrective action plans
- Ensure compliance with RBI guidelines,



company policies, and ethical collection practices
- Conduct regular field visits and joint calls to support teams and agencies
- Review daily MIS, dashboards, and performance reports; share insights and action plans
- Handle escalations, customer complaints, and sensitive recovery cases professionally
- Coordinate with Sales, Credit, and Operations teams to improve portfolio quality and prevent future delinquencies
- Drive training and capability building for internal teams and agency staff
- Ensure accurate documentation and system updates for all collection activities

Key Skills & Competencies
- Robust understanding of retail loan products (Personal Loans, LAP, Home Loans, Auto Loans, etc.)
- Hands-on experience in front-end collections operations
- Team leadership and agency management skills
- Ability to work with data, MIS, and performance metrics
- Strong negotiation, customer handling, and conflict resolut

📌 ACM-Collections Retail Front End (Telangana)
🏢 Aditya Birla Capital
📍 Telangana