Job Description

Basic Details:Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business	Financial Services
Unit	Aditya Birla Capital Ltd.
Location	Pan India
Poornata Position Number of the job		Reports to: Poornata Position Number	00164344
Poornata Position Title of the job	Regional Collections Manager- Unsecured Salaried	Reports to: Poornata Position Title	Head Collection - Unsecured Salaried
Function	Collections	Reports to: Function	Collections
Department	Retail Lending & Collections	Reports to: Department	Retail Lending & Collections
Designation of the Employee:	Regional Collections Manager- Unsecured Salaried	Manager's Designation:	Head Collection - Unsecured Salaried
Date of writing/ Updation of JD	13^th May 2026

1) Job Purpose:Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

To drive resolution and normalization in the earliest delinquent buckets(Front-End)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

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.

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 (Pre-NPA 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
Good understanding of SME business

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 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 31-Dec'20, ABCL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 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 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. 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 mala-fide 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 In-House 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.

4) Key Result Areas:Writethe 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 updated
Key Result Areas (Max 1325 Characters)	Supporting Actions(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 non-performing defaulting borrowers to create optimum recovery solutions Developing various MISs to show different cuts and trends in the portfolio which can lead to necessary corrective action by collections team to enhance their performance and shows area of improvement. 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. Ensure good grip and control on the delinquent portfolio.
Vendor Management	Liaise with agencies to drive collections processes efficiently. Oversee selection processes for external agencies Continuously monitor agency performance against set parameters and targets Exercise adequate control on agencies to ensure collection of overdue debts in a timely manner
Compliance and audit	Ensure that all documentation related to the collections process is maintained 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 ABCL as well as its customers Plan and implement periodic audits of the collections teams, ensuring their compliance with all relevant policies and regulations
Customer escalations and complaints	Coordinate with the legal team and senior management in the event of escalated cases to ensure compliance with relevant regulations
People Management	Provide oversight and be a coach and mentor for the team Ensure regular functional & behavioral trainings of team members in collaboration with HR Participate in relevant talent management and people development activities to ensure a healthy pipeline and an engaged team

5) Job Purpose of Direct Reports:Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

Area Collections Manager: To manage the collections process at a location level (usually a Metro or State Capital) or few Tier 2-3 cities, working with non-performing defaulting borrowers to create optimum recovery solutions. To liaise with in-house and external collections teams and to oversee their activities, ensuring compliance with all internal policies and relevant regulations.

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 objectives
Relationship Type	Frequency	Nature
Internal
National Collections Manager, Area Collections Managers	Daily / regular	Portfolio update and alignment of strategy and activities
Credit/ Policy Teams	Weekly	Updation of Collections Cases, MIS, Bounce details etc. Updates on policy changes.
Collections Strategy Team	Periodic	Market Intelligence, feedback, 12 mob feedback to Strategy / Risk Teams. Market Intelligence, feedback, 12 mob feedback to Strategy / Risk Teams. Cost, ECL and performance management
Legal Team	As needed	Litigation requirement for Delinquent borrowers.
External
Collections Agencies and Vendor Partners	Regular	Visits / discussions on portfolio Reviews, case updates, exception reporting
Customers	As needed	Escalations 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 Holder	Reports to (Manager)
Name		Amit Saxena
Date of Entry / Approval

Regional Collection Manager_Mumbai