Job Description

Key Responsibilities:

? Strategy & Planning:

o Develop and implement collection strategies for

unsecured loan portfolios

to

maximize recovery and minimize delinquency.

o Analyze delinquency trends and develop proactive action plans.

? Portfolio Management:

o Monitor day-to-day collections across early bucket (0-30 DPD), mid-bucket

(31-90 DPD), and hard bucket (180+ DPD) accounts.

o Ensure timely follow-up and resolution on delinquent accounts.

? Technology & Reporting:

o Work closely with the tech and data teams to leverage automation, dialers, and

CRM tools.

o Generate and analyze collection reports, MIS, and dashboards for

management.

? Compliance & Risk Mitigation:

o Ensure all collections activities are in strict compliance with RBI guidelines

and company policies.

o Handle sensitive and high-risk accounts with confidentiality and

professionalism.

o Address customer grievances and resolve disputes in a timely and ethical

manner.

Qualifications & Experience:

? Bachelor's degree (MBA/PGDM in Finance or Operations preferred)

? 4+ years of experience in collections in unsecured lending

(personal loans, business loans, working capital loans, etc.)

? Strong knowledge of collection tools, techniques, and legal procedures

? Experience in managing teams and external collection agencies

? Familiarity with NBFC operations and regulatory requirements

Key Skills:

? Strong analytical and decision-making skills

? Excellent communication and negotiation abilities

? Proficiency in MS Excel, MIS tools, and collection CRMs

? Ability to handle pressure and meet recovery targets

? Knowledge of skip tracing, field collections, and recovery litigation is a plus

Job Type: Full-time

Pay: ₹25,000.00 - ₹35,000.00 per month

Application Question(s):

Do you have own vehicle for travelling?
Experience:

unsecured loan collections: 5 years (Preferred)
Willingness to travel:

* 75% (Preferred)