Manage and monitor daily loan/EMI collection activities.
Ensure timely recovery of dues as per company policy.
Team Management
Lead, guide, and motivate collection officers/field executives.
Allocate targets and monitor individual and team performance.
Conduct regular reviews and training sessions.
Recovery Strategy Implementation
Develop and execute effective collection and recovery strategies.
Prioritize delinquent accounts (soft bucket, hard bucket, NPA).
Customer Follow-up & Negotiation
Handle escalated and high-value default cases.
Negotiate repayment plans, settlements, or restructurings within policy limits.
Legal & Compliance Coordination
Coordinate with legal teams for notices, arbitration, or recovery actions.
Ensure collection practices comply with RBI guidelines and company ethics.
MIS & Reporting
Prepare daily/weekly/monthly collection MIS reports.
Analyze collection trends, bounce cases, and delinquency ratios.
Risk Control & NPA Management
Reduce NPAs and improve portfolio quality.
Track rollbacks, bucket movements, and recovery efficiency.
Vendor & Agency Management
Manage external collection agencies and vendors.
Monitor agency performance and compliance standards.
Field Monitoring
Conduct field visits to review collection effectiveness.
Support field staff during difficult or sensitive recoveries.
Customer Grievance Handling
Address customer complaints related to collections.
Ensure respectful and professional customer interaction.
Process Improvement
Suggest improvements in collection processes and systems.
Implement digital payment and tracking mechanisms.
Coordination with Internal Teams
Work closely with Credit, Operations, Legal, and Branch teams.
Share feedback to improve credit appraisal and risk assessment.
Job Type: Full-time
Pay: ₹35,000.00 - ₹40,000.00 per month
Work Location: In person
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