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

Solid 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 resolution skills
Sound knowledge of l

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