1. Collection & Recovery

- Ensure timely collection of EMI, overdue installments, and outstanding dues.
- Follow up with customers through calls, visits, and digital communication.
- Achieve monthly collection and recovery targets.
- Minimize delinquency and bucket movement in the assigned portfolio.

2. Portfolio Management
- Monitor customer repayment behavior and overdue accounts.
- Maintain portfolio quality within company-defined parameters.
- Track NPA (Non-Performing Asset) accounts and initiate recovery actions.
- Prepare action plans for high-risk and overdue accounts.

3. Customer Relationship Management
- Build and maintain positive relationships with customers.
- Counsel customers regarding repayment schedules and overdue amounts.
- Negotiate repayment plans where applicable.
- Resolve customer queries related to loan repayments.

4. Field Collection Activities
- Conduct field visits for overdue and delinquent accounts.




- Verify customer addresses and contact details when required.
- Collect payments and ensure proper documentation of recovery efforts.
- Update visit reports and collection remarks in the system.

5. Compliance & Documentation
- Ensure collections are conducted ethically and in accordance with company policies.
- Maintain accurate collection records and customer interaction logs.
- Adhere to regulatory guidelines and internal compliance requirements.
- Support audit and compliance processes related to receivables.

6. Coordination & Reporting
- Coordinate with Sales, Credit, Operations, and Legal teams for recovery cases.
- Escalate chronic delinquent accounts for legal or recovery action.
- Submit daily, weekly, and monthly collection performance reports.
- Monitor and report portfolio performance metrics.

📌 Branch Receivable Officer (India)
🏢 equitas small finance bank
📍 India