Collection Officer -PL& BL Vertical

Role & Responsibilities:

• Responsible for recovering overdue amounts for Personal Loans (PL) and Business Loans (BL) in the assigned geography.
• Engage with delinquent and written-off customers through field visits, phone calls, and personal meetings to negotiate and recover dues.
• Analyze the borrower's financial situation, cultural background, and geographic location to propose practical and flexible repayment solutions.
• Maintain ethical and professional conduct during recovery interactions, ensuring compliance with RBI and internal guidelines.
• Coordinate with legal and compliance teams for non-cooperative cases and escalate recovery actions when required.
• Maintain daily and weekly MIS on recovery performance, field visits, and follow-ups.
• Develop strong relationships with local authorities, communities, and internal stakeholders to support collection efficiency.
• Use soft skills and tactful communication to avoid conflicts and de-escalate potential disputes.

Requirements:

• Proven experience in loan recovery/collections is highly desirable.
• Strong negotiation, communication, and interpersonal skills.
• Must be comfortable with field work and travel to client locations.
• Knowledge of local geography and borrower behavior is a plus.
• High levels of integrity, patience, and result-orientation.