Collection Executive

2 days ago

Thrissur, Kerala, India VYAPARAVIJAYAM TRADES & AGENCIES PVT Full time ₹ 1,80,000 - ₹ 2,50,000 per year

Job Summary

The Field Collection Executive is responsible for recovering dues from customers by visiting them in person, ensuring timely collections of EMIs/loans, maintaining customer relationships, and adhering to company policies and compliance guidelines.

Key Responsibilities

  • Visit customers for field collections of overdue EMIs, loans, and other payments.
  • Track, monitor, and follow up with delinquent customers for timely repayment.
  • Educate customers about payment schedules, late fees, and consequences of default.
  • Negotiate and resolve disputes to ensure maximum recovery while maintaining professionalism.
  • Submit daily/weekly reports on collection status and field visits to branch/collection manager.
  • Assist in skip tracing and locating absconded customers.
  • Maintain records of all field visits, customer commitments, and payments collected.
  • Coordinate with the legal and recovery team for escalated cases.
  • Ensure compliance with RBI and NBFC guidelines during customer interactions.
  • Build and maintain a positive relationship with customers to reduce future defaults.

Required Skills & Competencies

  • Strong communication and negotiation skills.
  • Knowledge of local geography and routes.
  • Ability to handle difficult conversations and conflicts.
  • Basic knowledge of loan products and collection processes.
  • Good time management and reporting skills.
  • Ethical and professional conduct in line with company and regulatory standards.

Qualifications & Experience

  • Minimum 10th / 12th pass; graduation preferred.
  • 1–3 years of experience in field collections (NBFC/Banks/Financial Services preferred).
  • Two-wheeler and valid driving license required.
  • Local language proficiency mandatory.

Key Performance Indicators (KPIs)

  • Collection efficiency (%)
  • Recovery within allocated portfolio
  • Reduction in NPAs and delinquency levels
  • Timeliness and accuracy of field reports

Job Type: Full-time

Pay: ₹18, ₹25,000.00 per month

Work Location: In person

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