Debt Collection Officer

23 hours ago

Ghaziabad City Ghaziabad Uttar Pradesh, India 2d50d3c1-42b5-418a-bc55-d3dffa8b101f Full time ₹ 4,20,000 - ₹ 6,00,000 per year

Key Responsibilities:

 Strategy & Planning:

o Develop and implement collection strategies for unsecured business loan portfolios to

maximize recovery and minimize delinquency.

o Analyze delinquency trends and develop proactive action plans.

 Portfolio Management:

o Monitor day-to-day collections across early bucket (0-30 DPD), mid-bucket

(31-90 DPD), and hard bucket (180+ DPD) accounts.

o Ensure timely follow-up and resolution on delinquent accounts.

 Technology & Reporting:

o Work closely with the tech and data teams to leverage automation, dialers, and

CRM tools.

o Generate and analyze collection reports, MIS, and dashboards for

management.

 Compliance & Risk Mitigation:

o Ensure all collections activities are in strict compliance with RBI guidelines

and company policies.

o Handle sensitive and high-risk accounts with confidentiality and

professionalism.

o Address customer grievances and resolve disputes in a timely and ethical

manner.

Qualifications & Experience:

 Bachelor's degree (MBA/PGDM in Finance or Operations preferred)

 4+ years of experience in collections in unsecured lending

(personal loans, business loans, working capital loans, etc.)

 Strong knowledge of collection tools, techniques, and legal procedures

 Experience in managing teams and external collection agencies

 Familiarity with NBFC operations and regulatory requirements

Key Skills:

 Strong analytical and decision-making skills

 Excellent communication and negotiation abilities

 Proficiency in MS Excel, MIS tools, and collection CRMs

 Ability to handle pressure and meet recovery targets

 Knowledge of skip tracing, field collections, and recovery litigation is a plus

Job Type: Full-time

Pay: ₹25, ₹35,000.00 per month

Application Question(s):

  • Do you have own vehicle for travelling?
  • Which DPDs have you worked on?

Experience:

  • unsecured business loan collections: 2 years (Required)

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