Role & responsibilities

Key Responsibilities

- Monitor delinquent accounts and identify overdue payments.
- Contact customers through calls, emails, letters, and field visits to recover outstanding dues.
- Negotiate repayment plans and settlements with customers.
- Follow up regularly on promised payments.
- Maintain accurate records of collection activities and customer interactions.
- Coordinate with legal teams for accounts requiring legal action.
- Ensure compliance with company policies, banking regulations, and debt recovery laws.
- Prepare recovery reports and update management on collection performance.
- Investigate reasons for non-payment and recommend corrective actions.

Required Skills

- Strong communication and negotiation skills.
- Ability to handle difficult customer situations professionally.
- Knowledge of debt recovery processes and banking/financial regulations.




- Analytical and problem-solving abilities.
- Positive documentation and report preparation skills.
- Proficiency in MS Office and recovery management systems.
- Attention to detail and result-oriented approach.

Key Performance Indicators (KPIs)

- Recovery percentage achieved.
- Reduction in overdue accounts/NPA levels.
- Collection efficiency.
- Resolution turnaround time.
- Compliance with regulatory and company guidelines.

Qualification:

- Experience in collections, recovery, banking, NBFC, or financial services is preferred.
- Knowledge of legal recovery procedures is an added advantage.
- 1-4 Yrs of experience in recovery role.
- Any graduate can apply

📌 Recovery Officer (Thiruvananthapuram)
🏢 home credit
📍 Thiruvananthapuram