Collections Manager

Key Responsibilities:

• Manage Delinquent Portfolio:

• Monitor and manage the delinquent customer base within the assigned location, identifying early warning signals and initiating corrective action plans.

• Ensure Collections Efficiency:

• Achieve targeted collections efficiency across all products through regular follow-ups, intensive recovery strategies, and proactive portfolio monitoring.

• Stakeholder Coordination:

• Liaise with legal teams, law enforcement agencies, and business teams for timely and compliant resolution of delinquent accounts.

• Documentation and Compliance:

• Ensure all collections activities are properly documented with clear audit trails in line with internal processes and compliance mandates.

• Recovery Planning:

• Work with non-performing/delinquent borrowers to negotiate and structure repayment plans, minimizing potential losses.

• External Agency Management:

• Coordinate with external vendor/collection agencies, overseeing performance, guiding recovery efforts, and ensuring adherence to ABHFL's policies.

• Portfolio Review and Reporting:

• Regularly review the status of the portfolio, report early stress accounts, and provide periodic MIS and exception reporting.

• Audit and Governance:

• Plan and implement periodic audits of the collections process to ensure process integrity and compliance with internal risk governance.

• Feedback and Strategy Enhancement:

• Provide feedback to regional and central teams on the effectiveness of existing collection strategies and support their enhancement.

Key Relationships:

Internal:

• Regional Manager Collections / Head Collections
• Risk Management Team
• Operations and Underwriting Teams
• Legal Team

External:

• Clients and Channel Partners
• External Collection Agencies
• Legal Consultants
• Industry Peers