Collections Executive-Agri-Fin-Dealer Funding(DF)

3 weeks ago

Fatehgarh India Kotak Mahindra Bank Limited Full time

Job Description

Job Title: Collection Executive - Agri Finance / Dealer Funding Recovery

Department: Collections & Recovery - Agri Finance / Dealer Funding

Location: Branch

Role Purpose:

To ensure timely recovery of dues from Agri Finance and Dealer Funding customers by following up on overdue accounts, maintaining healthy portfolio quality, and supporting branch-level collection targets while maintaining compliance and customer relationship standards.

Key Responsibilities:

- Manage recovery of overdue accounts under Agri Finance and Dealer Funding portfolio.
- Conduct regular follow-ups with delinquent customers through field visits, phone calls, and dealer/guarantor coordination.
- Implement collection strategies as per company policies to minimize delinquency and NPA.
- Ensure timely updating of collection system/ MIS with follow-up details and recovery status.
- Liaise with branch staff, dealers, and channel partners for effective collections.
- Recommend legal / repossession actions for chronic default accounts in consultation with branch manager and recovery head.
- Achieve monthly and quarterly recovery targets assigned by the branch.
- Assist in settlement negotiations and closure of overdue accounts.
- Maintain documentation and reports related to collections, recovery actions, and customer interactions.
- Ensure compliance with regulatory, audit, and company guidelines while handling recovery cases.

Key Skills & Competencies:

- Strong understanding of Agri finance, dealer funding, and retail lending products.
- Good knowledge of collection processes, legal recovery, and repossession.
- Excellent communication, negotiation, and persuasion skills.
- Ability to handle field collections and customer interactions.
- Target-oriented and ability to work under pressure.
- Familiarity with MS Office, MIS reporting, and collection systems.

Qualifications & Experience:

- Graduate in any discipline (preferably Commerce / Finance background).
- 1-3 years of experience in collections / recovery in Agri finance, CV, tractor loans, dealer funding or similar retail assets.
- Prior branch-level recovery experience preferred.
- Knowledge of local language and geography is essential.

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