Field Collection Executive

*Job Description: Collection Officer – BFSI / SBI Card*

*Job Title:* Collection Officer / Recovery Officer

*Department:* Collections & Recovery

*Location:* Branch/Regional Office + Field work

*Employment Type:* Full-time

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*Primary Purpose*

Maximize recovery of overdue credit card dues while maintaining customer relationships and adhering to RBI/FPC guidelines. You’re the front line for reducing delinquency and NPAs.

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*Key Responsibilities*

- *Portfolio Management*

- Handle assigned bucket: 1-30, 31-60, 61-90, 90+ DPD accounts.

- Prioritize cases based on risk, amount, and vintage.

- *Customer Contact & Recovery*

- Call, visit, and negotiate with delinquent customers for payment.

- Explain outstanding amount, charges, settlement options, and consequences of non-payment.

- Convince customers to clear dues via full payment, part payment, or EMI conversion.

- *Field Visits*

- Conduct door-to-door visits for hard bucket/X bucket customers.

- Verify customer address, employment, and willingness to pay.

- Skip tracing for absconding customers.

- *Documentation & Compliance*

- Maintain detailed records of all interactions in CRM/Collection System.

- Issue dunning letters, legal notices as per company process.

- Follow RBI Fair Practice Code, DRA guidelines. No threats, abusive language, or unethical practices.

- *Coordination*

- Work with legal team for SARFAESI/Section 138 cases.

- Coordinate with payment gateway, settlement team, and customer service for dispute resolution.

- Share feedback with risk/underwriting on fraud or willful default patterns.

- *Target Achievement*

- Meet monthly resolution rate, roll-back rate, and recovery amount targets.

- Reduce flow to next bucket and control charge-offs.

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*Qualifications & Skills*

- *Education:* Graduate in any discipline. MBA/MSW preferred for senior roles.

- *Experience:* 0-3 years in collections, recovery, tele-calling, or field sales in NBFC/Bank/Telecom.

- *Skills:*

- Strong negotiation & persuasion skills

- Street-smart, resilient, and target-driven

- Basic Excel + collection software knowledge

- Local language fluency + Hindi/English

- Two-wheeler + valid license for field roles

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*Compensation & Benefits*

- *Salary:* ₹2.2 – ₹4.5 LPA for freshers; ₹4.5 – ₹8 LPA for experienced

- *Incentives:* Monthly performance-based incentives + bounce-back bonus

- *Perks:* Mobile reimbursement, fuel allowance, PF, ESIC, medical insurance

- *Growth Path:* Collection Officer → Sr. Officer → Team Lead → Collection Manager → Regional Collection Head

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*Work Conditions*

Field-intensive role. Need to handle irate customers professionally. 6-day working,. Pressure to meet targets, especially month-end

• It is a Full Time Field Sales job for candidates with 0 - 3 years of experience.