Job Description

Key Result Areas

Supporting Actions

Achieve collections targets

Minimize credit losses for portfolio


Drive higher resolution rates.


Daily monitoring and regular reviews of delinquent portfolio


Work with non-performing defaulting borrowers to create optimum recovery solutions



Portfolio review and monitoring

Monitor 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 audit

Maintain 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 ABCL as well as its customers


Participate in periodic audits of the collections teams



Customer escalations and complaints

Coordinate with the legal team and senior management in the event of escalated cases to ensure compliance with relevant regulations




Relationships:
Relationship Type Frequency Nature

Internal

Regional Collections Manager / Area Collections Manager

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.

Legal Team

As needed

Escalations, customer complaints

External

Collections Agencies and Vendor Partners

Regular

Visits / discussions on portfolio; Reviews, case updates, exception reporting

Customers

As needed

Escalations and follow-ups


Minimum Experience Level


9 - 20 years
Job Qualifications


Under Graduate