Area Collections Manager - SME Collections - Coimbatore

Key Result AreasSupporting Actions Achieve collections targets Minimize credit losses for portfolioDrive higher resolution rates. Daily monitoring and regular reviews of delinquent portfolio Work with non-performing defaulting borrowers to create optimum recovery solutionsPortfolio review and monitoringMonitor 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 auditMaintain 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 teamsCustomer escalations and complaintsCoordinate with the legal team and senior management in the event of escalated cases to ensure compliance with relevant regulationsRelationshipsRelationship Type Frequency Nature InternalRegional Collections Manager / Area Collections ManagerDaily / regularPortfolio update and alignment of strategy and activitiesCredit/ Policy TeamsWeeklyUpdation of Collections Cases, MIS, Bounce details etc. Updates on policy changes.Legal TeamAs neededEscalations, customer complaintsExternalCollections Agencies and Vendor PartnersRegularVisits / discussions on portfolio; Reviews, case updates, exception reportingCustomersAs neededEscalations and follow-ups