Collections Executive - Retail MFB - Collections - Gobichettipalayam - Kanthan Complex - J Grades

Tata Capital; Erode; Presencial; INR 200.000 - 300.000; Jornada completa

Descripción de la vacante

Tata Capital is seeking a collection executive in Tamil Nadu, India. The role involves negotiating payment schedules, tracking delinquencies, and ensuring accurate customer file updates while maintaining professional relationships with customers.

The candidate should have a graduate degree (Masters optional) and 1–2 years in the field, working on relevant collection processes and regulatory compliance.

Formación

• Graduate degree required.
• Masters/Postgraduate: optional.

Responsabilidades

• Correspond with multiple sources to negotiate payment schedules that suit the customer’s current financial situation while still satisfying the debt.
• Track portfolio by bucket; manage delinquency and focus on non-starters.
• Provide customer service on collections; process refunds, account adjustments, and resolve discrepancies.
• Monitor accounts for non-payments and delays; call customers and process adjustments and write-offs.
• Update customer files with contact details and debt information.
• Trace defaulters with agency tracing team and suggest actions.
• Identify defaulting accounts and investigate causes while maintaining relations.
• Coordinate with sales and management to accelerate collections; assist in asset repossession and legal steps.
• Ensure compliance with Audit/NHB/IRB regulations and company policies.

Educación

Graduate

Masters/Postgraduate

Descripción del empleo

Job Description:

• Correspond with multiple sources to negotiate payment schedules that suit the customer’s current financial situation while still satisfying the debt.
• Keep track of the portfolio for specific buckets for the assigned area and control the delinquency of the area, bucket-wise & DPD wise as well as focus on non-starters.
• Provide efficient customer service regarding collection issues, process customer refunds, process and review account adjustments, resolve client discrepancies and short payments
• Monitor and maintain customer account details for non - payments, delayed payments and other irregularities, making customer calls, account adjustments, small balance write off, customer reconciliations and processing credit memos where necessary.
• Ensure customer files are updated, recording times and dates that contact has been made and noting information that customers have received about their debt.
• Trace defaulters and assets in coordination with the agency’s tracing team and suggest remedial course of action
• Identify defaulting accounts and investigate reasons for default while continuing to make efforts to maintain a healthy relationship with the customer
• Enlist the efforts of sales and senior management when necessary to accelerate the collection process including supporting the collection manager (court receiver) in repossessing assets and seeking legal and police support where required.
• Ensure compliance to all Audit / NHB /IRB regulations as well as policies and procedures of the company

Desired Experience:

Minimum 1 to 2 years in the field.

Job Qualifications

• Graduate : Yes
• Masters/Postgraduate: Optional

Requirements: