Collection Executive | Used Car Loans

Department: Collections & Recovery

Product: Used Car Loans

Location: Bangalore

Role: Collection Executive – Field Collections

Job PurposeResponsible for managing delinquent used-car loan accounts, ensuring timely EMI recovery, maintaining customer relationships, and controlling portfolio delinquency while strictly adhering to company policies, regulatory guidelines, and the Collection Code of Conduct.

Key Responsibilities

- Handle field collections and recovery of overdue EMIs for assigned used-car loan accounts.
- Contact and visit delinquent customers and ensure timely payment/regularization of overdue accounts.
- Manage allocated cases across different delinquency buckets and achieve monthly collection targets.
- Follow up on EMI bounce cases, payment commitments and broken PTPs (Promise to Pay).
- Identify reasons for non-payment and work toward normalization, rollback and resolution of delinquent accounts.
- Maintain proper records of customer visits, follow-ups, PTPs and payment status in the collection system/app.
- Ensure timely deposition and proper accounting of collections as per company policy.
- Trace customers/vehicles in skip or difficult-to-contact cases through permitted and compliant methods.
- Coordinate with internal teams,



collection agencies and other stakeholders for resolution of difficult cases.
- Support repossession/surrender-related processes only as per company policy and applicable regulatory/legal requirements.
- Ensure zero customer harassment and strict adherence to RBI guidelines, company Code of Conduct, customer privacy and data-security requirements.
- Immediately escalate disputes, complaints, suspected fraud and sensitive customer cases to the reporting manager.

Candidate ProfileEducation: Graduate preferred; Graduate pass candidates with relevant experience may also be considered. Experience: 1–3 years in field collections, preferably Auto Loans, Used Car Loans, Vehicle Finance, Consumer Finance or NBFC collections.

Requirements: Valuable communication and negotiation skills, knowledge of the local geography, willingness to travel extensively for field visits, basic smartphone/collection-app proficiency, and preferably a two-wheeler with a valid driving licence.

Key Performance Indicators (KPIs)Collection Efficiency | Rollback | Normalization | Delinquency Control | PTP Conversion | Resolution Rate | Productivity | Compliance & Customer Conduct

Preferred background: Candidates with prior experience in used-car/auto loan collection

📌 Collection Executives (Hyderabad)
🏢 Spinny
📍 Hyderabad