Officer

**Officer -Micro banking Collections-Karnataka**:
Multiple locations
- Department
- SOUTH COLLECTIONS MICROBANKING
- Job posted on
- Jul 03, 2025
- Employment type
- Permanent- JOB TITLE
- Officer-Collection Micro Banking
- GRADE
- DM-I
- DEPARTMENT
- Collections
- LOCATION
- Branch
- SUB-DEPARTMENT
- Micro Banking
- TYPE OF POSITION
- Full-time
- REPORTS TO
- Cluster Collections manager
- REPORTING INTO
- NA**ROLE PURPOSE & OBJECTIVE**- This role is responsible to follow-up with Default customer for Recovery of over-due amount as per the Allocation- For any unresolved cases, the incumbent needs to decide on the most value added mode of follow-up; adopt different strategies for the collection at different point of time; work on having the customers being treated well during the Overdue Follow up; Motivate the customers to make On Time Repayment; Trace out the absconded default customers and initiate recovery process**SIZE OF THE ROLE**
- FINANCIAL SIZE
- NON-FINANCIAL SIZE- Portfolio - 350 + accounts with arrear of 70+ lacs- NA**KEY DUTIES & RESPONSIBILITIES OF THE ROLE**

**Business**- Follow up with the customers to collect the repayment from the customer- Convince the customers to make the repayment, take PTP’s and follow up- Update the status of the repayment to branch staff- Update the details of the interaction with the customer in the Software- Issue the Receipt to the customer and deposit the amount with the Cashier- Communicate the customers about the consequences of non-payment- Trace out of absconded default customers and initiate recovery process- Initiate the Legal process in case of Non-Repayment based on the Document available with the organization- Manage collection process and legal guidelines; Initiate the process of reporting full details about non-payment customers for action plan and maintain the Monthly Collection Target is met- Ensure that the Monthly individual collection target is met

**Customer**- Interact with the customers politely, Convince the customer to make the repayment- Maintain fair collection practices while dealing with customers- One should contact people other than the customers only to locate the borrower- Communicate the Consequences thoroughly to the customers about the Non-payment- Issue the notices to the customers at different stages with details of further course of action- Understand the customers’ situation and adopt various strategies for collection- Customers should be treated with respect and no false, deceptive, or misleading claims should be made for the purpose of collecting repayments. This includes misrepresenting his/ her identity or falsifying facts about debt status or consequences of non-repayment or claiming any monetary or non-monetary awards post tracing of the customer.

**Internal process**- Ensure that collection process and legal guidelines to be adhered- Recommend for legal actions for non-recoverable cases above Rs 10,000 O/s cases and follow up with the Legal Cell for the closure of the cases- Complete administrative work related to collection such as updating delinquent account history, updating change of customers' information, providing and maintaining MIS report, reviewing of collection feedback on Daily, Weekly & Monthly basis, etc- Review the Cases with Manager before taking further course of action- Report any fraud identified in the field to Vigilance- Interact with different teams at appropriate verticals and if required engage them for collections.- Recommendation of doubtful overdue cases for writing off in co-ordination with the team.

**Learning & Performance**- Ensure that you are up to date on all relevant circulars and all products/services offered in the Branches.- Ensure adherence to training man-days/ mandatory training programs for self- Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self.- Ensure coordination between different teams, to build a collaborative spirit and shared sense of purpose.**MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS**
- Educational
- Qualifications- 12th Pass/ Graduate in a related field
- Experience-
- Certifications- NA
- Functional Skills- Fluent in Communication in the local language- Understanding of the documents of the Secured Loans- Knowledge of various strategies that can be adopted for recovery of secured loan - Legal etc.- Has to have tenacity in meeting targets.- Take responsibility of effectiveness and timely completion of work.- Planning, organizing and time management skill. Should have the ability to prioritize.
- Behavioral Skills- Good Convincing skills which can be adopted during the collection.- Strong communication skills with the ability to communicate directly with field staff & customers.- Local language skills will be preferred**KEY INTERACTIONS**
- INTERNAL
- EXTERNAL
- Vigilance officers
- Customers and Family Members
- Tele Callers and Back End Collection Manger
- Police Personnel
- Branch Head, Loan Officer, ACRMs, CR