Collection Executive

Job Title: Collection/Recovery Executive

Department: Collections & Recovery Executive

Location: Noida, UP

Role Summary 

Responsible for contacting customers with overdue accounts, negotiating repayment, and recovering outstanding dues while maintaining customer relationships and adhering to RBI/FEMA & company compliance guidelines.

Key Responsibilities

- Portfolio Management: Handle assigned bucket X-day to 90+ DPD accounts for retail/credit card/personal loan/auto loan products

- Customer Contact: Reach out to delinquent customers via phone.

- Negotiation & Recovery: Negotiate payment plans, settlements within approved authority matrix, and drive recoveries to meet monthly targets

- Skip Tracing: Locate and contact customers who are untraceable using field verification and reference checks

- Documentation: Update disposition codes, PTP dates, customer feedback in CRM/collector app daily. Issue receipts and maintain collection records

- Compliance: Follow Fair Practice Code, RBI recovery guidelines. No harassment, no calls outside 8 AM–7 PM. Maintain professionalism on all calls/visits

- Coordination: Work with legal, field agencies, and repo teams for hard bucket accounts. Initiate legal notice process where required

- Reporting: Submit daily collection reports, cash deposit slips, and weekly performance updates to Team Lead

Key Requirements

- Education: Graduate in any discipline; 12th + relevant exp also considered

- Experience: 06 months –1 years in collections, telecalling, BFSI sales, or recovery. Freshers with good communication may apply

- Skills: Strong negotiation & persuasion, fluency in Hindi + local language, basic English. MS Excel & CRM knowledge preferred

KPIs

- Resolution Rate: % of accounts resolved vs assigned

- Collection Efficiency: Amount collected vs target

- PTP Conversion: Keep/Follow-up % on Promise-to-Pay

- Compliance Score: Zero complaints/audit observations

Compensation: Fixed salary + performance incentives + conveyance for field

• It is a Full Time Sales / Business Development job for candidates with 6 months - 4 years of experience.