Collection Executive

2 days ago

Vasant Kunj Delhi Delhi, India Shivakari Finance Private Limited Full time

**Job Title: Collection Executive - Personal Loans**

**Department: Collections / Recovery**

**Location: Vasant Kunj, New Delhi**

**Reporting To: Collection Manager / Recovery Head**

**Job Summary**:
The Collection Executive is responsible for recovering overdue payments on personal loans from borrowers. The role involves regular follow-up with customers, negotiating repayment plans, and ensuring compliance with company policies and regulatory guidelines.

**Key Responsibilities**:

- **Loan Recovery & Follow-up**:

- Negotiate and facilitate repayment plans or settlements.
- Track and document recovery status and payment commitments.
- **Customer Handling**:

- Address queries and concerns of customers regarding their loans.
- Educate borrowers on the consequences of non-payment.
- Maintain professional and ethical behavior while dealing with customers.
- **Documentation & Reporting**:

- Maintain accurate records of interactions and recoveries.
- Provide daily/weekly/monthly reports to the Collection Manager.
- Update CRM systems or collection software with real-time data.
- **Field Visits (if applicable)**:

- Conduct on-site visits for high-value or non-responsive defaulters.
- Submit field visit reports and escalate complex cases for legal or senior action.
- **Compliance & Legal**:

- Ensure collection practices comply with RBI guidelines and company policies.
- Assist in initiating legal proceedings when necessary.

**Key Skills & Competencies**:

- Excellent communication and negotiation skills
- Customer-centric approach
- Strong problem-solving and analytical abilities
- Knowledge of lending/collections process
- Basic computer and data entry skills, preferably excel knowledge
- Integrity and patience in handling difficult customers

**Qualifications**:

- **Education**: Minimum Graduate in any discipline
- **Experience**: 1-3 years in collections, preferably in personal loans or pay day or unsecured lending
- **Language**: Proficiency in local language and Hindi/English

**Performance Metrics**:

- Recovery rate (% of overdue amount collected)
- Number of successful closures
- TAT (Turnaround Time) for recovery actions
- Customer complaints or escalations

Pay: ₹25,000.00 - ₹30,000.00 per month

Schedule:

- Day shift

Work Location: In person

Expected Start Date: 30/06/2025

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