Collection Officer

7 days ago


Palladam, Tamil Nadu, India Svamaan financial services private limited Full time ₹ 1,92,000 - ₹ 2,96,000 per year

Job Purpose:

To ensure timely and effective collection of dues from Joint Liability Group (JLG) borrowers, maintain portfolio quality, and support the financial institution's credit discipline.

Key Responsibilities:1. Collection Management

  • Follow up with JLG customers for timely repayment of EMIs.
  • Visit customer locations for field collections and recovery.
  • Ensure 100% collection efficiency with minimal overdue accounts.
  • Identify and resolve customer repayment issues proactively.

2. Portfolio Monitoring

  • Monitor delinquency trends and take corrective action.
  • Maintain daily, weekly, and monthly collection records.
  • Update the collection system (MIS or mobile app) with real-time data.

3. Customer Relationship

  • Build and maintain good relationships with customers and group leaders.
  • Educate borrowers on repayment schedules and financial discipline.
  • Handle disputes or grievances related to collections professionally.

4. Compliance & Reporting

  • Ensure collections are done as per company policies and regulatory guidelines.
  • Submit accurate daily/weekly reports to the reporting manager.
  • Handle cash responsibly (if applicable) and deposit as per timelines.

Key Skills & Competencies:

  • Strong interpersonal and communication skills
  • Field collection experience (preferably in microfinance or NBFC)
  • Ability to work under pressure and manage deadlines
  • Negotiation and conflict-resolution skills
  • Familiarity with local geography and languages

Qualifications:

  • Minimum 10th / 12th pass; Graduation preferred
  • 1–3 years of relevant experience in collections (especially JLG or SHG lending)
  • Knowledge of microfinance practices and credit systems is a plus

Working Conditions:

  • Field job with extensive local travel
  • Must own a two-wheeler (preferred)
  • Willingness to work in rural/semi-urban locations

Salary:

As per industry standards + Incentives (based on performance)

Job Types: Full-time, Permanent, Fresher

Pay: ₹9, ₹24,744.99 per month

Benefits:

  • Food provided
  • Health insurance
  • Life insurance
  • Paid sick time
  • Provident Fund

Work Location: In person


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