Area Collection Manager-Retail Digital, Karnal/ Panipat

• Job Purpose:
  
  

To manage the collections process at a Regional level, build and manage a best-in-class high efficiency

Collections Team to enable delivery of ECL & NCL parameters. livery of ECL & NCL parameters and to liaise

with in-house and external collections teams and to oversee their activities, ensuring compliance with all

internal policies and relevant regulations.

• 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

 Digital Book is a small ticket higher bounce rate book on account

of the construct of the segment and borrower profile

 ECL Management – Stage 1 and Stage 2 (feeder for Stage 3)

Provisions to be managed by the incumbent for entire Zone.

 Strong vintage in handling the zone /region in debt management.

 Ability to conceptualize and effectively execute the various

collections strategies with focus on Small Ticket Collections

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 Small ticket segment comprises primarily Digitally sourced accounts with ticket sizes ranging 10k – 5

lacs. This role is responsible for enhancing business profitability through effective management of the

delinquent portfolio in the respective zone.

The incumbent will be accountable for field collections for the customers in the region. For this segment,

the collections model would primarily be an Agency Model for flows. The incumbent needs to have a

strong understanding of small ticket business and challenges on the debt-management process.

• 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 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 location level and sub-product level portfolios – location level and at various

product level within the Digital Portfolio.

 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

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Annexure I : ABG Job Description Template

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HayGroup Job Description Template 2017

 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 ABFL 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

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

each report)

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.

• 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,

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Annexure I : ABG Job Description Template

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HayGroup Job Description Template 2017

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.