Job Description

Skills & Competencies

Strong negotiation + persuasion skills with controlled, professional behavior Understanding of secured loan documentation (security, collateral, valuation basics) Basic knowledge of recovery/legal processes (notices, possession support, auction coordination) Good reporting discipline (MIS, case notes, evidence trail) Local area knowledge + ability to travel extensively Basic smartphone/computer skills (CRM apps, Excel/Google sheets)
Loan Recovery Agent (Secured Loans) --

Experience Mandatory:

5+ years

only in secured loan recovery

(Mortgage / LAP / HL / Vehicle / SME secured)

We are hiring an experienced

Loan Recovery Agent (Secured Loans)

responsible for end-to-end

overdue, NPA and legal-stage recovery

for secured loan portfolios. The role involves

field collections, borrower negotiations, documentation, coordination with legal/auction teams

, and strict adherence to

regulatory + compliance

standards.

Key Responsibilities (Core)

Secured Loan Recovery:

Handle delinquent accounts (30+ DPD to NPA) for secured products (Property/Vehicle/SME secured).

Field Visits & Verification:

Conduct residence/office/site visits, asset verification, borrower profiling, and repayment assessment.

Negotiation & Resolution:

Execute structured recovery discussions--repayment plans, settlement/OTS facilitation (as per policy), closure follow-ups.

Skip Tracing:

Locate absconding borrowers using ethical, compliant methods; maintain trace logs and evidence.

Documentation & Evidence:

Maintain complete case files (visit reports, call logs, borrower undertakings, asset proof, settlement notes).

Legal Coordination:

Coordinate with legal team for

demand notice, possession support, SARFAESI actions, court execution support

(where applicable), and ensure accurate document flow.

Asset Protection:

Support

possession, inventory, auction readiness

and protection of secured assets (as per authorized process).

Portfolio Management:

Track assigned portfolio performance (DPD movement, roll-back rates, PTP conversion, collections).

Reporting:

Daily/weekly MIS reporting, escalations, dispute handling, and compliance reporting to the manager.

Customer Handling:

Maintain professional communication; ensure no harassment, threats, or unfair practices.
Eligibility (Non-Negotiable)

Minimum 5+ years

proven experience in

secured loan recovery only

. Strong knowledge of

mortgage / LAP / HL / vehicle / secured SME

recovery cycles and documentation. Experience handling

NPA accounts

, legal-stage cases, and settlement coordination. Ability to manage field workload and maintain accurate written records.
Compliance & Conduct Requirements (Mandatory)

Follow company recovery code, RBI/industry fair-practice guidelines, and local laws

Zero tolerance

for abusive language, coercion, unauthorized third-party involvement, or illegal collection practices Maintain confidentiality of borrower data and case information
What We Offer

Competitive fixed + incentive (based on performance and compliance) Professional growth in secured recovery and resolution domain Structured reporting and case management process
BLACKBULL IS HIRING FOR INTERNAL CHANNEL ONLY - DIRECT JOB IN COMPANY

Job Types: Full-time, Permanent

Pay: ₹25,000.00 - ₹75,000.00 per month

Benefits:

Flexible schedule Health insurance
Experience:

Investment banking: 5 years (Required) LOAN RECOVERY: 5 years (Required)
Language:

English (Required)
Work Location: In person