Sales & Collection Executive

Job Role:

Responsible for recovering loan instalments/dues from customers, ensuring timely collections, reducing delinquency, and maintaining healthy portfolio quality while adhering to company policies and compliance norms.

Key Responsibilities:1. Collection & Recovery

• Visit customers for EMI/instalment collections as per schedule.
• Follow up with overdue customers through phone calls, field visits, and reminders.
• Ensure timely recovery of pending amounts to minimize Non-Performing Assets (NPA).
• Negotiate repayment plans with defaulting customers when required.

2. Customer Interaction

• Educate customers about repayment schedules, penalties, and consequences of defaults.
• Provide support and guidance to customers facing temporary financial difficulties.
• Maintain professional and respectful behavior while dealing with customers.

3. Documentation & Reporting

• Maintain accurate records of collections, receipts, and recovery status.
• Submit daily/weekly/monthly reports on collection performance.
• Handle cash/cheque collections and deposit them as per company policy.

4. Compliance & Policy Adherence

• Follow RBI/NBFC guidelines and company’s code of conduct during collections.
• Avoid unethical practices or coercive methods.
• Ensure proper documentation for settlements and closed accounts.

5. Coordination & Support

• Work closely with the branch/credit control team to resolve disputes.
• Provide feedback to management on repayment trends and customer issues.
• Support legal/collection agencies in escalated cases if required.

Skills & Competencies Required:

• Good communication and negotiation skills.
• Persuasion and customer-handling ability.
• Knowledge of NBFC loan products and repayment structures.
• Ability to work in the field and travel extensively.
• Basic record-keeping and reporting skills.
• High level of integrity and adherence to ethical practices.

Qualification & Experience:

• Education: Minimum 10+2 / Graduate preferred.
• Experience: 0–2 years in collections/recovery (NBFC/banking/finance sector preferred).
• Languages: Fluency in local language; working knowledge of English is an advantage.

Job Type: Full-time

Pay: ₹15,000.00 - ₹20,000.00 per month

Benefits:

• Health insurance

Work Location: In person