Debt Recovery Agent

Job Summary:

The Recovery Specialist will be responsible for engaging with customers, negotiating settlements, and ensuring account closures to drive recoveries on overdue loans.

• Establish communication with delinquent customers via phone calls to follow up on overdue payments.
• Manage Personal Loans, Business Loans, and Auto Loan portfolios across DPD buckets.
• Offer closure, settlement, or restructuring options aligned with internal policies.
• Maintain calling discipline and track PTPs, callbacks, and payments.
• Ensure RBI and internal compliance standards are met in customer communication and data handling.
• Deliver a high standard of customer experience through professional, respectful communication.
• Prepare and update call records, daily reports, and portfolio performance metrics.

Required Qualifications:

• 1–3 years of experience in collections or recoveries, preferably in PL, BL, or Auto loans with financial institutions or collection agencies.
• Prior experience in tele-calling or collections call centers is essential.
• DRA Certification is preferred but not mandatory.
• Strong knowledge of recovery/settlement documentation and processes.
• Fluency in Hindi and English (knowledge of additional regional languages is an advantage).
• Excellent negotiation, persuasion, and conflict-resolution skills.

Key Competencies:

• Customer-centric approach with strong problem-solving skills.
• Ability to remain calm and effective under pressure.
• Consistent performance and target-oriented mindset.
• High level of integrity, empathy, and ownership.