Debt Recovery Agent

Goodscore; Bengaluru; On-site; INR 781,000 - 1,116,000; Full time

Job summary

GoodScore is seeking a DRA-certified Debt Recovery Agent in Bengaluru to manage overdue accounts, drive timely loan repayments, and ensure compliant, customer-friendly collection practices.

You will handle calls, negotiate commitments, and maintain precise records while adhering to RBI rules and company policies. This role requires strong communication skills and experience in lending collections.

Qualifications

• Must hold DRA certification from an IIBF-recognised training programme.
• 14 years of experience in collections or debt recovery.
• Experience in banking, NBFC or fintech collections preferred.
• Proficiency in English and Hindi; knowledge of Kannada, Telugu, Bengali or Tamil preferred.

Responsibilities

• Contact customers with overdue payments through calls.
• Follow up on outstanding dues and drive timely repayment.
• Negotiate repayment commitments and resolve customer objections.
• Achieve assigned daily and monthly collection targets.
• Maintain accurate records of customer interactions, payment commitments and recovery status.
• Handle customer concerns professionally and escalate disputes when required.
• Adhere strictly to RBI guidelines, company policies and ethical recovery practices.

Skills

Communication skills

Negotiation skills

Tele-calling

Field collections

Education

DRA certification (IIBF)

Job description

GoodScore is on a mission to make financial literacy and credit access simple, actionable and inclusive for over 150 million credit-underserved Indians. We are building technology-led solutions to help consumers manage and improve their credit health.

Role Overview

We are looking for a DRA-certified Debt Recovery Agent to manage overdue customer accounts, drive timely loan repayments and ensure ethical, compliant and customer-friendly collection practices.

Key Responsibilities

• Contact customers with overdue payments through calls
• Follow up on outstanding dues and drive timely repayment.
• Negotiate repayment commitments and resolve customer objections.
• Achieve assigned daily and monthly collection targets.
• Maintain accurate records of customer interactions, payment commitments and recovery status.
• Handle customer concerns professionally and esc arate disputes when required.
• Adhere strictly to RBI guidelines, company policies and ethical recovery practices.

Eligibility & Requirements

• Mandatory DRA certification from an IIBF-recognised training programme.
• 14 years of experience in collections or debt recovery.
• Experience in banking, NBFC or fintech collections preferred.
• Good communication and negotiation skills.
• Comfortable with tele-calling and field collections.
• Knowledge of basic collection processes and RBI recovery guidelines.
• Proficiency in English and Hindi, along with at least one regional language (Kannada, Telugu, Bengali or Tamil), is preferred.

Selection Process: 1 Day Loop

• Step 1: Candidate Screening
  • Resume and career deepdive
  • Understanding of their current role
  • Culture Fitment
  • Communication Readiness
• Step 2: 2 Rounds of Interviews
  • Collection Experience
  • Collection Case Discussions
  • Mock Calls
• Stage 3: Offer & Background Verification Process

GoodScore is an equal opportunity employer. We hire for ability, potential and impact, and welcome talented people from all backgrounds. We do not discriminate based on gender, gender identity, sexual orientation, caste, religion, race, ethnicity, age, disability, marital or parental status, nationality, or any other characteristic protected by applicable law. Different perspectives make better products. Were building a team that reflects the users we serve.