Collection Officer

20 hours ago

Palladam TN IN Svamaan financial services private limited Full time

Job Purpose To ensure timely and effective collection of dues from Joint Liability Group JLG borrowers maintain portfolio quality and support the financial institution s credit discipline Key Responsibilities 1 Collection Management Follow up with JLG customers for timely repayment of EMIs Visit customer locations for field collections and recovery Ensure 100 collection efficiency with minimal overdue accounts Identify and resolve customer repayment issues proactively 2 Portfolio Monitoring Monitor delinquency trends and take corrective action Maintain daily weekly and monthly collection records Update the collection system MIS or mobile app with real-time data 3 Customer Relationship Build and maintain good relationships with customers and group leaders Educate borrowers on repayment schedules and financial discipline Handle disputes or grievances related to collections professionally 4 Compliance Reporting Ensure collections are done as per company policies and regulatory guidelines Submit accurate daily weekly reports to the reporting manager Handle cash responsibly if applicable and deposit as per timelines Key Skills Competencies Strong interpersonal and communication skills Field collection experience preferably in microfinance or NBFC Ability to work under pressure and manage deadlines Negotiation and conflict-resolution skills Familiarity with local geography and languages Qualifications Minimum 10th 12th pass Graduation preferred 1-3 years of relevant experience in collections especially JLG or SHG lending Knowledge of microfinance practices and credit systems is a plus Working Conditions Field job with extensive local travel Must own a two-wheeler preferred Willingness to work in rural semi-urban locations Salary As per industry standards Incentives based on performance Job Types Full-time Permanent Fresher Pay 9 287 58 - 24 744 99 per month Benefits Food provided Health insurance Life insurance Paid sick time Provident Fund Work Location In person

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