Officer - DSMG - Two-Wheeler Loans - X Bucket - Jalandhar - PUDA Complex - J Grades

4 days ago

Jalandhar, Punjab, India Tata Capital Full time ₹ 1,04,000 - ₹ 1,30,878 per year
Key Responsibilities:

Customer Follow-up:

Conduct timely follow-ups through phone calls, field visits, and SMS to customers who have missed their first EMI or are in early stages of delinquency.

Collection Execution:

Achieve monthly recovery targets by persuading customers to make payments and reduce delinquency levels in the X bucket.

Field Visits:

Visit customers' addresses to collect dues, issue notices if required, and assess customer intent and capacity to pay.

Skip Tracing:

Coordinate with internal skip tracing team or conduct basic investigation for non-contactable customers.

Negotiation & Resolution:

Negotiate with customers to arrive at amicable payment solutions while adhering to company policy.

Documentation & Reporting:

Maintain accurate and timely documentation of collection activities, payment commitments, and customer interactions in the system.

Compliance & Ethics:

Follow collection guidelines as per RBI and company norms, maintaining professionalism and avoiding coercive practices.

Coordination:

Work closely with the branch team, collection agencies, and tele-calling units to ensure prompt action and resolution.

Key Skills & Competencies:

Strong interpersonal and negotiation skills

Basic knowledge of two-wheeler loan products

Willingness to travel within the assigned geography

Good communication and persuasive abilities

Target-oriented with a proactive approach

Familiarity with collection tools and mobile apps is a plus

Qualifications & Experience:

Minimum HSC / Graduate (preferred)

1-3 years of experience in retail loan collections, preferably in two-wheeler loans

Experience handling X bucket or early-stage delinquency is an advantage

Familiarity with the local language and geography is a must

Valid two-wheeler driving license and own vehicle preferred

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