Job Summary

To drive resolution and normalization in the earliest delinquent buckets (FrontEnd) of entire retail portfolio in order to meet ECL provisioning and minimize NPAs as per ABCL policies and collections strategy at a Zonal/Regional Level

Dimensions

- Team Size: Flows 11 15

Other Quantitative and Important Parameters for the job

Quantitative Parameters

- Managing a PIL book at a zonal level, which usually is around 500 Cr in PIL (Large Ticket >10 Lacs) (Per Zone)
- ECL management of Stage 1 2
- High Resolution and Rollback efficiencies in Flows (PreNPA Buckets)
- Cost Efficiency Save By Internalizing the team 30% Cost Save

- Strong vintage in handling the zone /region in debt management.
- Ability to conceptualize and effectively execute the various collections strategies
- Market understanding and collections/Fraud techniques
- Excellent leadership, Analytical, Negotiation, influencing and communication skills.
- Strong interpersonal skills and good team player.
- Experience in managing outsourced agencies /vendors.
- An initiator with very high level of energy
- Positive understanding of SME business

Job Context

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 31Dec 20, ABCL has a pan-India presence with 91 branches and a lending book of 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 Fice (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Fice, Mid and Large Corporate Loans, and Infrastructure Fice 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

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 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 malafide intentions. It also carries out overdue loan recovery from defaulting clients.

The unsecured high ticket segment comprises PL/BL accounts with ticket sizes ranging 10L-100L. This role is responsible for enhancing business profitability through effective management of the delinquent portfolio in the respective region. The incumbent will be accountable for field collections for the customers in the region. For this segment, the collections model would move towards an InHouse Model for flows (for ticket sizes >10L) and partly agency-driven (for specific accounts that require vendor support) so the zonal manager will need to competent in managing both.

Key Result Areas

Max 1325 Characters

ECL Management Costs

- Monitor and Control delinquency and minimize ECL for portfolio
- Drive higher resolution rates resulting in reduced ECL
- 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 customer accounts across the region, identifying and flagging likely cases of default or delayed payment
- Work with nonperforming defaulting borrowers to create optimum recovery solutions

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.

📌 Regional Collection Manager (Pune)
🏢 Aditya Birla Insulators
📍 Pune