Collection Officer

• Key Roles & ResponsibilitiesConduct field visits to follow up with customers for recovery of overdue payments.
• Maintain fair collection practices in line with company SOPs, legal norms, and RBI guidelines.
• Perform field duties within regulated working hours (8:00 AM – 7:00 PM) with sincerity and integrity.
• Update customer feedback, repayment status, and new information on the company app.
• Achieve weekly and monthly collection targets.
• Report on-ground challenges promptly to the Field Collection Manager.
• Handle assigned personal loan EMI overdue accounts and ensure timely collections.
• Generate and follow-up on PTP (Promise to Pay) commitments and ensure timely conversion.
• Guide customers for digital repayment through UPI, payment links, auto-debit mandates, etc.
• Handle bounced EMI cases and re-initiate follow-ups.
• Update customer conversations, remarks, and payment status in CRM on a daily basis.
• Coordinate with internal teams for dispute resolution and repayment-related queries.
• Escalate high-risk, repeated defaulters, or sensitive cases to senior management.
• Ensure strict compliance with RBI Fair Practices Code, recovery guidelines, and data privacy norms.

Preferred Experience

• Experience in Personal Loan / NBFC / Bank / Fintech Collections.
• Knowledge of bucket handling (1–30, 31–60, 61–90, 90+ DPD).
• Experience in soft collection, early bucket recovery, and repayment counselling preferred.