Area Collection Manager - SME RetailDesignation: NALocation: India Karnataka Star Avenue, BangaloreOrganization: Financial ServicesJob Description:Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD BusinessFinancial ServicesUnitAditya Birla Finance Ltd.LocationPan IndiaPoornata Position Number of the job Reports to: Poornata Position NumberPoornata Position Title of the job Collections ManagerReports to: Poornata Position TitleArea Collections ManagerFunctionRisk & LegalReports to: Function Risk & LegalDepartmentRisk & LegalReports to: Department Risk & LegalDesignation of the Employee:Collections ManagerManager’s Designation:Area Collections ManagerDate of writing/ Updation of JD25th March 2021 1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)To manage the collections process for a set of delinquent accounts within a location, working with non-performing defaulting borrowers to create optimum recovery solutions, ensuring compliance with all internal policies and relevant regulations.2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. Other Quantitative and Important Parameters for the job Achievement of month ECL /NCL & Resolution Targets Delivery of ECL numbers, which gets prepared by the Strategy TeamHigh focus on Cost metrics and CoA’s.3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters)Organization ContextAditya Birla Finance Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Key Non-Deposit accepting Non-Banking Finance Company (NBFC). ABFL is one of the top private diversified NBFCs in India. As of 31-Dec’20, ABFL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 Crores.ABFL 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 Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABFL also has a Wealth Management division. ABFL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CIIJob ContextCollections 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 mala-fide intentions. It also carries out overdue loan recovery from defaulting clients.4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updatedKey Result Areas (Max 1325 Characters)Supporting Actions (Max 1325 Characters)Achieve collections targets Minimize credit losses for portfolioDrive higher resolution rates. Daily monitoring and regular reviews of delinquent portfolio Work with non-performing defaulting borrowers to create optimum recovery solutionsPortfolio review and monitoringMonitor customer accounts,



flagging likely cases of default or delayed payment Provide regular inputs to Management and all the other stakeholders such as Sales, Risk, Policy Team on various aspects of collections resolution and delinquency trends, Negative Areas, Negative Profile, Non-Starters, SKIPs, Fraud Cases, etc.Compliance and auditMaintain all documentation related to the collections process in accordance with internal norms and regulatory requirements Respond to customer complaints regarding the collections process, taking steps to ensure a satisfactory outcome for both ABFL as well as its customers Participate in periodic audits of the collections teamsCustomer escalations and complaintsCoordinate with the legal team and senior management in the event of escalated cases to ensure compliance with relevant regulations5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) 6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectivesRelationship Type Frequency Nature Internal Regional Collections Manager / Area Collections ManagerDaily / regularPortfolio update and alignment of strategy and activitiesCredit/ Policy TeamsWeeklyUpdation of Collections Cases, MIS, Bounce details etc. Updates on policy changes.Legal TeamAs neededEscalations, customer complaintsExternal Collections Agencies and Vendor PartnersRegularVisits / discussions on portfolio; Reviews, case updates, exception reportingCustomersAs neededEscalations and follow-ups.7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position. SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.Job HolderReports to (Manager)NameDate of Entry / ApprovalGo BackApply to JobRefer a friend

📌 Area Collection Manager - Sme Retail (Bengaluru)
🏢 Birla Carbon Italy
📍 Bengaluru