Officer Dsmg Two Wheeler Loans X Bucket Jalandhar Puda Complex J Grades

Year    Jalandhar, Punjab, India

Job Description

Degree Level: Bachelor's Degree
: Key Responsibilities:
Customer Follow-up:
Conduct timely follow-ups through phone calls, field visits, and SMS to customers who have missed their first EMI or are in early stages of delinquency.
Collection Execution:
Achieve monthly recovery targets by persuading customers to make payments and reduce delinquency levels in the X bucket.
Field Visits:
Visit customers' addresses to collect dues, issue notices if required, and assess customer intent and capacity to pay.
Skip Tracing:
Coordinate with internal skip tracing team or conduct basic investigation for non-contactable customers.
Negotiation & Resolution:
Negotiate with customers to arrive at amicable payment solutions while adhering to company policy.
Documentation & Reporting:
Maintain accurate and timely documentation of collection activities, payment commitments, and customer interactions in the system.
Compliance & Ethics:
Follow collection guidelines as per RBI and company norms, maintaining professionalism and avoiding coercive practices.
Coordination:
Work closely with the branch team, collection agencies, and tele-calling units to ensure prompt action and resolution. Key Skills & Competencies:
Strong interpersonal and negotiation skills
Basic knowledge of two-wheeler loan products
Willingness to travel within the assigned geography
Good communication and persuasive abilities
Target-oriented with a proactive approach
Familiarity with collection tools and mobile apps is a plus Qualifications & Experience:
Minimum HSC / Graduate (preferred)
1-3 years of experience in retail loan collections, preferably in two-wheeler loans
Experience handling X bucket or early-stage delinquency is an advantage
Familiarity with the local language and geography is a must
Valid two-wheeler driving license and own vehicle preferred

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Job Detail

  • Job Id
    JD3890882
  • Industry
    Not mentioned
  • Total Positions
    1
  • Job Type:
    Full Time
  • Salary:
    Not mentioned
  • Employment Status
    Permanent
  • Job Location
    Jalandhar, Punjab, India
  • Education
    Not mentioned
  • Experience
    Year