Collection Executive

Job Description – Personal Loan EMI Collection Executive

Position: EMI Collection Executive (Personal Loan)

Department: Collections

Location: As per company requirement

Reporting To: Collection Team Leader / Collection Manager

📍 Interview Location
Baba Lease and Investment Pvt. Ltd.
4800/24, Global House, 2nd Floor, Bharat Ram Road,
Dariyaganj, Near Sanjivan Hospital,
Delhi – 110002
Landmark: Near Chaudhry Eye Center
Nearest Metro Station: Delhi Gate Metro Station

Role Summary:

The Personal Loan EMI Collection Executive is responsible for contacting customers for timely EMI repayment, handling overdue accounts, and meeting monthly collection targets. The role requires effective communication, negotiation skills, and adherence to RBI-compliant collection practices.

Key Responsibilities

1. EMI Reminder & Payment Follow-up

• Make outbound calls to customers for EMI reminders before due dates.

• Follow up with overdue customers to collect pending EMIs.

• Share payment links, UPI details, or bank account details for repayment.

• Take PTP (Promise to Pay) commitments and ensure follow-through.

2. Overdue Account Handling

• Identify DPD (Days Past Due) categories such as 1–30, 31–90, and 90+.

• Negotiate repayment plans with customers facing financial difficulties.

• Educate customers regarding penalties, overdue interest, and consequences of delay.

• Handle escalated, critical, and skip accounts professionally.

3. Customer Interaction & Complaint Resolution

• Provide clear explanations of loan terms, EMI amounts, and charges.

• Resolve customer issues related to payment failures, auto-debit, or UPI errors.

• Maintain polite, professional, and RBI-compliant communication at all times.

• Escalate fraud or legal-risk cases to the supervisor.

4. Reporting & Documentation

• Update call remarks, PTP, broken PTP, and payment status in CRM or Google Sheets.

• Maintain daily MIS for calls, collections, PTP, and overall performance.

• Report daily/weekly collection status to the Team Leader.

Skills & Qualifications

• Education: 12th Pass / Graduate preferred.

• Experience: 0–2 years in loan collections / telecalling (Freshers can apply).

• Good communication skills in Hindi and English.

• Basic knowledge of mobile apps, UPI, Google Sheets, and CRM tools.

• Strong negotiation and customer-handling skills.

• Target-driven with the ability to work under pressure.

Behavioral Requirements

• Professional and polite behaviour with customers.

• High level of patience and confidence during tough calls.

• Positive attitude and willingness to learn.

• Good listening and problem-solving skills.

Salary & Benefits

• Fixed salary + attractive incentives based on monthly collections.

• Attendance and performance bonuses.

• Career growth opportunities within Collections and Operations.

• It is a Full Time Customer Support / TeleCaller job for candidates with 6 months - 3 years of experience.

More about this Collection Executive job

1. What is the eligibility criteria to apply for this Collection Executive job?
   Ans: The candidate should be 12th Pass and above and above with 6 months - 3 years of experience of experience
2. How much salary can I expect for this job role?
   Ans: You can expect a salary of ₹10000 - ₹20000 per month + Incentives that depends on your interview. It's a Full Time job in Delhi.
3. How many working days are there for this Collection Executive job?
   Ans: This Collection Executive job will have 6 working days.
4. Are there any charges applicable while applying or joining this Collection Executive job?
   Ans: No, there is no fee applicable for applying this Collection Executive job and during the employment with the company, i.e., Baba Lease And Investment Private Limited.
5. Is it a work from home job?
   Ans: No, it’s not a work from home job and can't be done online.
6. How many openings are there for this Collection Executive role?
   Ans: There is an immediate opening of 50 Collection Executive at Baba Lease And Investment Private Limited
7. Who can apply for this job?
   Ans: Both Male and Female candidates can apply for this Customer Support / TeleCaller job.
8. What are the timings of this Collection Executive job?
   Ans: This Collection Executive job has Day Shift.