Field Executive-RELATIONSHIP BANKING GROUP-RA-Risk Control Unit

4 hours ago

Bhopal, Madhya Pradesh, India Kotak Mahindra Bank Full time ₹ 2,50,000 - ₹ 4,50,000 per year
Description

Job Description (JD) for  Recovery Executive in the Relationship Banking Group - Recovery Function 

Job Title: Recovery Executive – Relationship Banking Group (RBG) Recovery Function
Department: Commercial Banking
Reporting To: Recovery Manager / Relationship Manager

Job Purpose:

To manage and execute recovery strategies for delinquent and non-performing assets within the Relationship Banking Group portfolio, ensuring timely resolution, minimizing losses, and maintaining regulatory compliance.


 
Key Responsibilities:
  • Track and manage overdue accounts and initiate recovery action for delinquent commercial banking customers.
  • Liaise with relationship managers and legal teams to plan and execute recovery strategies for stressed assets.
  • Conduct follow-ups with borrowers for repayment through calls, visits, and formal communication.
  • Negotiate and structure repayment plans, settlements, or restructuring in line with bank policies.
  • Initiate and monitor legal recovery proceedings (e.g., SARFAESI, DRT, civil suits) where necessary.
  • Maintain detailed documentation and MIS related to recovery efforts, court proceedings, and repayment schedules.
  • Monitor and report progress of recovery cases to senior management with recommendations for further action.
  • Ensure compliance with all internal policies and external regulatory requirements related to loan recovery.

 
Key Skills & Competencies:
  • Strong knowledge of commercial banking products and credit processes.
  • Understanding of legal recovery procedures and applicable banking laws (e.g., SARFAESI, IBC).
  • Negotiation and persuasion skills to deal with defaulting clients.
  • Analytical ability to assess repayment capacity and financial restructuring options.
  • Good communication and interpersonal skills.
  • Proficiency in MS Office and banking systems.

 
Qualifications & Experience:
  • Graduate/Postgraduate in Commerce, Finance, Law, or related field.
  • 2–5 years of experience in credit recovery, collections, or commercial banking operations.

Experience in handling legal recovery cases is preferred.

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