RO_Kovilpatti - EB(833)

Sundaram Home Finance; Thoothukudi; On-site; INR 279,000 - 446,000; Full time

Job summary

Sundaram Home Finance Limited in PAN India is seeking a Zonal Recovery Officer to meet recovery targets for home loan portfolios through planning and regular follow-ups. The role emphasizes reducing delinquencies and maintaining a healthy loan book.

You will coordinate with zonal and legal receivables teams, visit customers, and drive timely collections while ensuring strict compliance with procedures and regulations.

Qualifications

• 2+ years of experience in home loan collections/recovery.
• Degree in any discipline; graduation mand.
• Understanding mortgage product collection processes.
• Excellent written and verbal communication in local language.

Responsibilities

• Ensuring collection targets are achieved consistently on daily/weekly/monthly basis.
• Collecting information from corporate on delinquency cases to plan collection actions.
• Visiting customers and persuading to release payments on time to avoid NPAs.
• Tracking delinquent cases on defaulter list to recover outstanding dues.
• Reducing NPL to maintain quality portfolio of loan.
• Coordinate with zonal and legal receivables teams for actions against defaulters.
• Ensuring collections are deposited as per guidelines.
• Tracking and following up for cheque collections from customers.
• Preparing and sharing collections MIS (portfolio performance, NPA, collections, projections).
• Maintaining compliance with zero tolerance for non-compliance.
• Review NPA, recovery, auctions and ensure monthly collection targets.

Skills

Home loan products

Mortgage collections

Communication skills

Interpersonal skills

Negotiation

Planning

Follow-up

Compliance

SARFAESI knowledge

Education

Graduation

Job description

Job Description

Group Company: Sundaram Home Finance Limited

Office Location: PAN India

Position description: Responsible for meeting the individual recovery targets by focusing on curtailing delinquencies, reducing NPL and maximizing arrear collections achieved through effective planning and regular follow ups

Primary Responsibilities

• Ensuring collection targets are achieved consistently over daily/ weekly/ monthly basis
• Collecting information from corporate on the delinquency cases to plan the collection/recovery actions depending on the timelines and collection bucket priorities
• Visiting customers and persuading to release payments on time to avoid potential NPA situation
• Tracking and connecting with delinquent cases who are on the defaulter list regularly, to recover outstanding dues
• Ensuring reduction in NPL for the branch to maintain quality portfolio of loan.
• Coordinates with zonal and legal receivables team for initiating timely and appropriate actions against defaulters and recovering from NPA accounts
• Ensuring collections are deposited as per the operational guidelines
• Tracking and following up for collection of cheques from the customers
• Collecting, preparing and sharing collections MIS including portfolio performance, NPA, collections, projections etc
• Ensuring compliance requirements are not compromised by maintaining zero tolerance for non-compliance
• Review of NPA, recovery, auctions identified accounts and ensuring collection of 100% on a monthly basis
• Building and maintaining cordial relationship the regulatory authorities such as local courts, police station, regulatory authorities etc to enable effective management of defaulters as and when it is required
• Participating in review meetings periodically to understand the collection status, projections and performance including collecting feedback and guidance for performance improvement
• Ensuring reduction in possessed and unsold stock

Others

• Any other tasks which will be required to be performed from time to time as per the instructions

Reporting Team

• Reporting Designation: Zonal Recovery officer
• Reporting Department: Receivables
• Category:Graduation in any discipline
• Field specialization:Any Specialization
• Degree:Graduation

Required work experience

• Years of experience:2+ years of experience in the home loan products/related company in collections/ recovery management

Key Performance Indicators

• Collection process management – follow up, collection and deposit

Required Skills

• Understanding of home loan products
• Thorough knowledge of mortgage products collection processes
• Good communication (oral and written) with proficiency in local language
• Interpersonal sensitivity and influencing to manage customers as well as regulatory authorities
• Good negotiation skills for managing recovery/collections
• Good planning and follow-up skills
• High degree of process compliance and attention to detail
• Good knowledge on the relevant laws/acts including SARFAESI

Job Snapshot

Updated Date

30/09/2026

Department

Receivables

Location