Senior Debt Recovery Specialist

15 hours ago


Kolkata, West Bengal, India beBeeCollection Full time ₹ 8,00,000 - ₹ 10,00,000
Sr. Collection Professional

The Sr. Collection Professional plays a crucial role in managing high-value and complex accounts, ensuring timely recovery of outstanding dues while assessing and monitoring customer credit risk.

This position combines negotiation skills with an analytical approach to identifying at-risk accounts early. In addition to managing their own portfolio, the Sr. Collection Professional will mentor junior collection agents, contributing to improved overall recovery performance and credit discipline.

  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. 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. 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. 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. 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. Cross-Functional Collaboration

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

Requirements

A Bachelor's degree is preferred; diploma or relevant certification in finance, business, or collections is an advantage. 3–5 years' experience in collections, receivables management, or credit control, with exposure to credit risk assessment, is required. Strong negotiation, analytical, and conflict resolution skills are essential. Proficiency in MS Excel and collections/accounting software is necessary.



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