Collection Executive

Kisetsu Saison Finance (India) Private Limited; Ahmedabad District; On-site; INR 200,000 - 320,000; Full time

Job summary

Credit Saison India is seeking a diligent Collection Executive to manage outstanding accounts, contact debtors, and negotiate payment plans, ensuring timely recoveries while maintaining strong customer relationships.

The role requires experience in collections or related finance, excellent communication and negotiation skills, and proficiency with CRM systems and MS Office. You will work with cross-functional teams to optimize collections and reduce bad debts.

Qualifications

• Experience in collections or related financial role.
• Strong communication and negotiation abilities.
• Ability to maintain accurate records and confidentiality.
• Familiarity with CRM systems and MS Office.
• Knowledge of collection laws is a plus.

Responsibilities

• Contact debtors and secure payments via phone, email, and mail.
• Negotiate payment arrangements per policy.
• Maintain records in CRM and related systems.
• Investigate billing discrepancies and payment issues.
• Identify complex cases for escalation to management.
• Collaborate with sales, customer service, and finance to optimize processes.
• Adhere to collection laws and maintain ethical conduct.
• Prepare regular reports on collection performance and outstanding balances.
• Contribute to strategies to improve collection rates and reduce bad debt.

Skills

Communication skills

Negotiation

Interpersonal skills

CRM proficiency

MS Office

Record-keeping

Education

High school diploma

Bachelor's degree in finance or business administration

Tools

CRM software

Microsoft Office Suite

Job description

Job Summary

We are seeking a diligent and customer-focused Collection Executive to manage outstanding accounts, contact debtors, and negotiate payment plans to ensure timely recovery of funds while maintaining positive customer relationships.

Job Responsibilities

• Contact customers with overdue accounts via phone, email, and mail to secure payments.
• Negotiate payment arrangements and plans based on company policies and customer financial situations.
• Maintain accurate and up-to-date records of collection activities, customer communications, and payment statuses in the company's CRM system.
• Investigate and resolve billing discrepancies, customer complaints, and payment issues.
• Identify and elevate complex collection cases or potential legal actions to management.
• Collaborate with sales, customer service, and finance departments to optimise collection processes.
• Adhere to all relevant collection laws and regulations, ensuring ethical and professional conduct.
• Prepare and submit regular reports on collection performance and outstanding balances.
• Assist in developing and implementing strategies to improve collection rates and reduce bad debt.

Job Qualifications

• High school diploma or equivalent; a bachelor's degree in finance, business administration, or a related field is preferred.
• Proven experience in collections, customer service, or a related financial role.
• Excellent communication, negotiation, and interpersonal skills.
• Strong attention to detail and accuracy in record-keeping.
• Ability to work independently and as part of a team in a fast-paced environment.
• Proficiency in Microsoft Office Suite (Word, Excel, Outlook) and experience with CRM software.
• Knowledge of collection laws and regulations is an advantage.
• Demonstrated ability to handle sensitive information with discretion and maintain confidentiality.
• Strong problem-solving skills and a results-oriented approach.

At Credit Saison India, we are driven by Innovation, Inclusion, and Integrity to create a meaningful Impact. As one of India's fastest-growing NBFC lenders, our mission is to bridge the credit gap and transform lives by empowering underserved communities. Our journey is fueled by a team of 1,400+ employees across 80+ branches, with an AUM of over $2 billion. Join us and help build a brighter financial future for millions across the country. Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.