Area Collection Manager Retail Unsecured (Flow Collections)

Location: Hyderabad
Role Type: Team Handling + Agency Management
Business Unit: Retail Unsecured Loans Flow Collections (DPD 1 90)

Role Summary

The Area Collection Manager (ACM) Retail Unsecured Flow Collections is responsible for managing earlystage delinquency (0 90 DPD) for unsecured loans in the Hyderabad region. The role includes managing a team of Collection Managers/Executives, supervising external collection agencies, ensuring highquality field operations, and driving portfolio resolution while adhering to compliance and fair practices.

Key Responsibilities 1. Flow Collections Management

- Drive collections for retail unsecured flow buckets (0 90 DPD).
- Achieve monthly resolution, rollback, and flow rate targets.
- Ensure prompt followups, customer connects, field visits, and payment closures.
- Implement bucketwise strategies to reduce delinquency and improve portfolio health.

2. Team Handling

- Lead and manage a team of Collection Managers / Field Executives.
- Track team productivity: calls, visits, promisestopay, and resolutions.
- Conduct daily and weekly review meetings to monitor bucket performance.
- Provide coaching on negotiation, skip tracing, objection handling, and customer engagements.

3. Agency Management

- Manage multiple collection agencies across Hyderabad.
- Allocate and monitor agency loads, performance, and resolution efficiency.
- Ensure agencies follow compliance, RBI fair collection practices, and company code of conduct.
- Conduct agency audits, scorecards, and periodic performance evaluations.

4. Portfolio Analysis Risk Control





- Analyze delinquency trends and identify highrisk accounts.
- Work with risk, credit, and analytics teams to address problem segments.
- Resolve escalated or sensitive accounts with tact and policy understanding.
- Control forward flows and improve rollback rates.

5. Customer Interaction Issue Resolution

- Handle escalations, disputes, settlement discussions, and special cases.
- Ensure smooth customer experience while maintaining recovery focus.
- Promote voluntary payment channels and digital collections.

6. Reporting MIS

- Maintain accurate MIS for:
- Daily collections
- Bucketlevel performance
- Team productivity
- Agency performance scorecards

- Share daily, weekly, and monthly dashboards with senior leaders.
- Ensure data accuracy and audit readiness.

Skills Competencies

- Strong understanding of unsecured loans flow collections
- Experience managing agencies and large field teams
- Excellent negotiation and customer handling skills
- Knowledge of RBI guidelines and fair collection practices
- Analytical ability to read delinquency portfolio trends
- Solid communication, leadership, and people management
- Proficiency in Excel, dashboards, and collections systems (dialer/CRM)

Qualifications Experience

- Graduate (MBA preferred)
- 5 10 years of experience in unsecured collections
- 2+ years of teamhandling experience
- Preferred: Experience managing agencies and flow buckets in metro markets like Hyderabad

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 ACM_Retail Unsecured Flows_Professional (Hyderabad)
🏢 Aditya Birla Insulators
📍 Hyderabad