Collection Officer- Unsecured Business Loan

1 day ago

Delhi Delhi, India Maxemo Capital Full time

**Key Responsibilities**: - Strategy & Planning: - Develop and implement collection strategies for **unsecured loan portfolios**to maximize recovery and minimize delinquency. - Analyze delinquency trends and develop proactive action plans. - Portfolio Management: - Monitor day-to-day collections across early bucket (0-30 DPD), mid-bucket (31-90 DPD), and hard bucket (180+ DPD) accounts. - Ensure timely follow-up and resolution on delinquent accounts. - Technology & Reporting: - Work closely with the tech and data teams to leverage automation, dialers, and CRM tools. - Generate and analyze collection reports, MIS, and dashboards for management. - Compliance & Risk Mitigation: - Ensure all collections activities are in strict compliance with RBI guidelines and company policies. - Handle sensitive and high-risk accounts with confidentiality and professionalism. - Address customer grievances and resolve disputes in a timely and ethical manner. Qualifications & Experience: - Bachelor's degree (MBA/PGDM in Finance or Operations preferred) - 4+ years of experience in collections in unsecured lending (personal loans, business loans, working capital loans, etc.) - Strong knowledge of collection tools, techniques, and legal procedures - Experience in managing teams and external collection agencies - Familiarity with NBFC operations and regulatory requirements Key Skills: - Strong analytical and decision-making skills - Excellent communication and negotiation abilities - Proficiency in MS Excel, MIS tools, and collection CRMs - Ability to handle pressure and meet recovery targets - Knowledge of skip tracing, field collections, and recovery litigation is a plus Pay: ₹25,000.00 - ₹35,000.00 per month Application Question(s): - Do you have own vehicle for travelling? **Experience**: - unsecured loan collections: 2 years (preferred) Willingness to travel: - 75% (preferred)

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