Officer - Dsmg - Two-wheeler Loans - X Bucket - Jalandhar - Puda Complex - J Grades

3 weeks ago


Jalandhar Punjab, India TATA CAPITAL Full time

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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