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