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.
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.
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.
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.
Customer Interaction Issue Resolution
Handle escalations, disputes, sett

📌 Acm Retail Unsecured Flows Professional Hyderabad (India)
🏢 Aditya Birla Insulators
📍 India