Area Collection Manager - Digital Flows - Kolkata
Aditya Birla Group —West Bengal
- Management
Principal BIM Engineer
Mott MacDonald —Bengaluru, Karnataka
- Full-time
- B.Sc
- Analysis skills
- Bachelor's degree
- Health insurance
- Paid sick time
Assistant Mechanical BIM Engineer / Modeller
Mott MacDonald —Bengaluru, Karnataka
- Full-time
- Plumbing
- HVAC
- Agile
- Health insurance
- Paid sick time
Senior Sales Officer
Louis Dreyfus Company —Gurugram, Haryana
- Full-time
- Microsoft Excel
- English
- Computer skills
Quick apply
1d
Principal Mechanical Engineer
Mott MacDonald —Noida, Uttar Pradesh
- Full-time
- B.Sc
- Bachelor's degree
- HVAC
- Health insurance
- Paid sick time
Retail Development Manager (B2C)
Polycab India —Mumbai, Maharashtra
- Bachelor's degree
- Communication skills
- Negotiation
3d
Investment Sales
Kanhelp Solutions —Gurugram, Haryana
- ₹15,00,000 - ₹27,00,000 a year
- Full-time
- Bachelor's degree
- In-person
Quick apply
4d

More jobs to discover

Find similar jobs that you might be interested in.

Principal BIM Engineer
Mott MacDonald —Bengaluru, Karnataka
With deep understanding of all phases of the building lifecycle, it enables us to give our clients the best-informed engineering and innovative solutions.
Principal PHE Engineer
Buro Happold —Bengaluru, Karnataka
Benefit from our Employee Referral Bonus, rewarding you for bringing talented candidates into our fold. Ideally also showing an awareness of other key design…

I want to receive the latest job alerts for metro retail manager

By signing in to your account, you agree to SimplyHired's Terms of Service and consent to our Cookie and Privacy Policy.

Explore jobs in more locations

metro retail manager jobs near

Area Manager jobs in West Bengal

Sales jobs in Gurugram, Haryana

Bim Modeler jobs in Bengaluru, Karnataka

Principal Software Engineer jobs in Bengaluru, Karnataka

Mechanical Engineer jobs in Noida, Uttar Pradesh

Marriage Hall, Manager jobs in Chennai, Tamil Nadu

Area Manager jobs in Madhavaram, Chennai, Tamil Nadu

Area Manager jobs in Kerala

Industrial Area jobs in Badli, Delhi, Delhi

Area Manager jobs in Kundli, Haryana

Production Manager jobs in Kerala

Area Manager jobs in Thiruvananthapuram, Kerala

Cafe Manager, Restaurant Manager jobs in Ahmedabad, Gujarat

Sales Executive Fresher jobs in Hyderabad, Telangana

Sales Manager jobs in Delhi

Sales jobs in Shiliguri, West Bengal

Sales Executive jobs in Goa

Helper, Sales, Vishal Mega Mart jobs in Jharkhand

Sales Executive jobs in Varanasi, Uttar Pradesh

Civil Engineering Bim jobs in Chennai, Tamil Nadu

Area Collection Manager - Digital Flows - Kolkata

Aditya Birla Group -
West Bengal

Apply Now

Job details

Qualifications

Management

Full job description

Designation:

Location: India West Bengal Kolkata

Organization: Financial Services

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 Finance Ltd.

Location

Mumbai

Poornata Position Number of the job

Reports to: Poornata Position Number

Poornata Position Title of the job

ACM (Digital/STSL/M Lap)

Reports to: Poornata Position Title

RCM

Function

Risk Management & Compliance

Reports to: Function

Risk Management & Compliance

Department

Risk & Legal & Collections

Reports to: Department

Risk & Legal & Collections

Designation of the Employee:

ACM (Digital/STSL/M Lap)

Manager’s Designation:

RCM

Date of writing/ Updation of JD

20th Jan 2023

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

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.

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

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

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 Finance Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Important 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 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 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.

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 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
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

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)

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

Date of Entry / Approval

Apply Now

Refine Your Search

metro retail manager jobs

Area Collection Manager - Digital Flows - Kolkata

Principal BIM Engineer

Assistant Mechanical BIM Engineer / Modeller

Senior Sales Officer

Principal Mechanical Engineer

Retail Development Manager (B2C)

Investment Sales