Collection executive

3 days ago

Kottayam, Kerala, India VYAPARAVIJAYAM TRADES & AGENCIES PVT Full time ₹ 2,40,000 - ₹ 4,20,000 per year

Job Purpose:

The Collection Executive is responsible for managing and recovering overdue loans, ensuring timely follow-ups with customers, maintaining proper documentation, and achieving collection targets while providing excellent customer service in line with NBFC policies.

Key Responsibilities:

  • Loan Recovery & Collections:
  • Follow up with customers for overdue loan repayments through calls, emails, and in-person visits.
  • Maintain a schedule for regular follow-ups and ensure timely recovery.
  • Negotiate repayment plans with borrowers as per company guidelines.
  • Customer Relationship Management:
  • Maintain good relationships with borrowers to encourage timely repayments.
  • Provide assistance and guidance to customers regarding repayment options, interest, and other loan-related queries.
  • Documentation & Reporting:
  • Maintain accurate records of all interactions with customers.
  • Prepare daily, weekly, and monthly collection reports for management.
  • Update the system with repayment statuses, defaults, and legal follow-ups.
  • Legal & Compliance:
  • Escalate cases of chronic default to higher authorities for legal action.
  • Ensure all collection activities comply with RBI guidelines, NBFC policies, and legal regulations.
  • Target Achievement:
  • Meet individual and team collection targets.
  • Identify high-risk accounts and prioritize efforts accordingly.
  • Field Visits (if applicable):
  • Conduct home visits or site visits to customers who are delinquent.
  • Verify customer information and loan usage when required.

Required Skills & Competencies:

  • Excellent communication and negotiation skills.
  • Strong problem-solving and interpersonal skills.
  • Ability to handle difficult conversations with professionalism.
  • Attention to detail for record-keeping and reporting.
  • Basic knowledge of loan products, finance, and NBFC operations.

Qualifications & Experience:

  • Minimum 12th Pass / Graduate (preferred).
  • Prior experience in collections, banking, or NBFC sector is preferred.
  • Familiarity with MS Office and collection software is an advantage.

Job Type: Full-time

Pay: ₹20, ₹35,000.00 per month

Benefits:

  • Health insurance

Work Location: In person

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