Debt Recovery Agent (DRA)

Position: Debt Recovery Agent (DRA)

Department: Collections / Recovery

Industry: Banking & NBFC

Location:delhi,Jharkhand,Jaipur,panipat,patna,muzzaffarfur,kolkatta,lucknow and Agra.

Experience: 03 Years

Employment Type: Full-Time

Job Summary

We are looking for a motivated and responsible Debt Recovery Agent (DRA) to manage customer accounts assigned for collection and recovery on behalf of Banks and NBFCs. The candidate will be responsible for contacting customers, understanding reasons for payment delays, negotiating repayment solutions, and ensuring timely recovery while strictly following regulatory guidelines and organisational policies.

Key Responsibilities

- Contact customers through telephone and other approved communication channels regarding overdue payments.
- Explain outstanding amounts, payment schedules and available repayment options to customers.
- Follow up regularly with delinquent customers and achieve assigned collection/recovery targets.
- Negotiate suitable payment commitments and ensure promised payments are received within agreed timelines.
- Maintain accurate records of customer interactions, commitments and payment status.
- Handle customer queries and grievances professionally and escalate complex cases to the appropriate authority.
- Conduct field visits where assigned, in accordance with company and regulatory guidelines.
- Ensure complete confidentiality and responsible handling of customer and financial information.
- Follow all applicable RBI guidelines, Fair Practices Code,



DRA Code of Conduct and client-specific collection policies.
- Maintain professional behaviour and ensure that no abusive, threatening, misleading or coercive communication is used during recovery.
- Submit daily/regular collection reports and maintain required documentation.

Key Skills

- Valuable verbal communication and interpersonal skills.
- Negotiation and convincing ability.
- Customer-handling and objection-handling skills.
- Target-oriented and result-driven approach.
- Basic knowledge of banking, loans, credit cards and NBFC products.
- Basic computer knowledge and ability to maintain collection records.
- Ability to work under pressure and meet collection targets.
- Knowledge of local language will be an advantage.

Eligibility

- Minimum qualification: 12th Pass / Graduate.
- Prior experience in banking/NBFC collections, telecalling, field recovery or customer service will be preferred.
- DRA Certification as applicable to the assigned banking portfolio.
- Candidates must be willing to comply with applicable background/police verification and client-specific onboarding requirements.

Performance Parameters Performance will be evaluated based on:

- Collection/recovery achievement.
- Productivity and follow-up effectiveness.
- Payment conversion and commitment fulfilment.
- Customer handling and complaint levels.
- Compliance with regulatory and client guidelines.
- Accuracy of documentation and reporting.
- Attendance, discipline and professional conduct.

📌 Debt Recovery Agent (Jaipur)
🏢 Hi Tek Syndicate
📍 Jaipur