Collections Executive - Retail Microfinance Banking

Tata Capital Finance Ltd; Ghazipur, Gorakhpur District; Vor Ort; INR 250.000 - 420.000; Vollzeit

Zusammenfassung

Tata Capital Finance Ltd. is seeking a Collections Executive for Retail MFB collections in Chaubeypur - Barsana. The role focuses on driving the collection process across multiple sources, reducing overall outstanding amounts and days outstanding while preserving client relationships.

The position requires graduate education and hands-on collections experience. Responsibilities include negotiating repayment schedules, tracking delinquency, handling customer service related to collections, and

Qualifikationen

• Graduate with ability to drive collections across multiple sources.
• Strong negotiation and communication skills to negotiate payment schedules.
• Proficient in maintaining delinquency control and customer account integrity.

Aufgaben

• Negotiate payment schedules across multiple sources to recover receivables.
• Track portfolio delinquencies by bucket and DPD and focus on non-starters.
• Provide efficient customer service for collection issues and process refunds/adjustments.
• Maintain accurate customer account details for non-payments and delays; perform calls and adjustments.
• Document contact attempts with dates/times and share information given to customers.
• Trace defaulters and coordinate with tracing teams; suggest remedial actions.
• Support collection manager in asset repossession when required and involve legal/police as needed.
• Ensure compliance with audit/regulatory policies and company procedures.

Kenntnisse

Negotiation

Customer service

Account management

Data accuracy

Ausbildung

Graduate

Jobbeschreibung

Collections Executive - Retail MFB - Collections - Chaubeypur - Barsana - J Grades

Key Objective of the Job:

• To drive the collection process of receivables across multiple sources thereby reducing the total outstanding and the associated average number of days while continuing to make efforts to keep the client partnership intact.

Major Deliverables:

• 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 / regulatory bodies as well as policies and procedures of the company.

Educational Qualification:

Graduate