- Handle collection and recovery of outstanding EMI payments for Home Loans, Vehicle Loans, Personal Loans, and Mortgage Loans/LAP.
- Conduct regular field visits to customers for EMI collection and payment follow-ups.
- Follow up with customers through phone calls and personal visits regarding due and overdue payments.
- Maintain regular contact with customers and ensure timely payment commitments.
- Manage assigned loan accounts and monitor overdue/DPD cases.
- Visit customers with pending payments and understand the reasons for delayed payments.
- Negotiate payment commitments with customers as per company policies and follow up until payment is received.
- Ensure all collected payments are deposited through approved company channels and updated accurately in the system.
- Maintain proper records of customer visits, calls,
payment commitments, and collections.
- Achieve assigned daily, weekly, and monthly collection targets.
- Identify high-risk and difficult cases and escalate them to the Collection Manager/Senior Management.
- Coordinate with the Branch and other internal teams for effective recovery and resolution of customer accounts.
- Ensure qualified and respectful communication with customers during the collection process.
- Follow company collection procedures, internal policies, and applicable regulatory guidelines.
- Submit daily collection and field visit reports to the reporting manager.