senior collection agent

3 weeks ago

Mumbai, Maharashtra, India Talent Sutra Full time
The Senior Collection Agent is responsible for managing high-value and complex accounts to ensure timely recovery of outstanding dues while also assisting in assessing and monitoring customer credit risk. This role combines strong negotiation skills with an analytical approach to identifying at-risk accounts early. In addition to managing their own portfolio, the Senior Collection Agent will mentor junior collection agents, helping to improve overall recovery performance and credit discipline.

Budget: 8-10 LPA

Key Responsibilities:

1. 1. Collections Management

- Handle a portfolio of priority accounts with overdue balances, ensuring maximum recovery.

- Directly engage with clients to negotiate payment terms, settlements, or repayment plans.

- Conduct thorough follow-ups via calls, emails, and written correspondence.

1. 2. Credit Risk Monitoring

- Review payment history and account behavior to identify early warning signs of potential defaults.

- Provide feedback to the credit team on customers showing increased risk.

- Support credit analysts in periodic reviews of customer creditworthiness based on payment patterns and outstanding exposure.

1. 3. Escalation Handling

- Manage complex cases involving disputes, bounced payments, or high-risk clients.

- Work closely with the legal team on accounts requiring formal recovery actions or notices.

1. 4. Mentorship & Support

- Support junior collection agents by providing guidance on collection strategies, risk flags, and client engagement techniques.

- Assist in training new hires on processes, systems, and effective collection methods.

1. 5. Reporting & Documentation

- Maintain accurate records of all interactions, agreements, recovery actions, and risk indicators in the system.

- Prepare weekly updates on portfolio performance, overdue trends, and potential problem accounts for the collections manager.

1. 6. Cross-Functional Collaboration

- Coordinate with the credit, finance, and sales teams to resolve disputes, review payment terms, and align recovery efforts with business goals.

Qualifications

- Education: Bachelor's degree preferred; diploma or relevant certification in finance, business, or collections is an advantage.

- Experience: 3–5 years in collections, receivables management, or credit control, with exposure to credit risk assessment.

- Strong negotiation, analytical, and conflict resolution skills.

- Ability to manage multiple accounts and priorities under pressure.

- Proficiency in MS Excel and collections/accounting software.

Skills & Competencies

- Strong interpersonal and communication skills.

- Persistence and resilience in high-pressure situations.

- Analytical mindset with the ability to identify risk patterns.

- Attention to detail and accuracy in documentation.

- Customer-focused approach while maintaining firmness on payment commitments.

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