JOB DESCRIPTION (JD)Collection Executive – Bhubaneswar, Odisha

Company Name: Khushbu Auto Finance Limited (KAFL)
Department: Collections / Recovery
Designation: Collection Executive
Location: Bhubaneswar, Odisha
Employment Type: Full-time
Reporting To: Collection Manager / Branch Manager

1. Job Purpose

To ensure timely collection of overdue loan installments from customers, reduce delinquency, and support the company's collection and recovery objectives while maintaining professional customer relationships and adhering to company policies and applicable regulatory guidelines.

2. Key Responsibilities

- Conduct field visits to customers with overdue loan accounts and follow up for timely EMI payments.
- Contact customers through telephone calls, SMS, and personal visits to remind them of payment obligations.
- Collect overdue installments and achieve monthly collection targets assigned by the reporting manager.
- Follow up on overdue, delinquent, and non-performing loan accounts as per the assigned portfolio.
- Identify reasons for payment delays and coordinate with customers to facilitate resolution.
- Maintain regular contact with customers and provide accurate information regarding outstanding dues and payment procedures.
- Update collection status, customer feedback, visit details, and payment commitments in the company's system.
- Submit daily collection reports and periodic performance updates to the reporting manager.
- Coordinate with the branch team and other relevant departments for resolution of collection-related issues.
- Identify high-risk and non-responsive accounts and escalate such cases to the reporting manager.




- Ensure proper documentation and timely deposit or remittance of any payments received, strictly as per company policy.
- Follow the company's code of conduct, customer service standards, and applicable RBI guidelines and fair practices requirements.
- Maintain confidentiality of customer information and ensure ethical, respectful, and professional recovery practices.

3. Educational Qualification

- Minimum 12th pass; graduate candidates will be preferred.
- Candidates with experience in finance, banking, NBFCs, microfinance, or vehicle loan collections will be preferred.

4. Experience

- 1–3 years of experience in collections, field recovery, loan recovery, or customer payment follow-up is preferred.
- Freshers with good communication skills and a willingness to work in the field may also be considered.

5. Required Skills and Competencies

- Positive communication and customer-handling skills.
- Negotiation, follow-up, and problem-solving abilities.
- Basic knowledge of loan repayment, EMI collection, and overdue account management.
- Ability to work under targets and manage a designated collection portfolio.
- Basic computer and smartphone proficiency for reporting and data updates.
- Willingness to travel locally for customer visits.
- Knowledge of Odia and Hindi is preferred; basic English communication will be an added advantage.




- Self-motivation, discipline, integrity, and a customer-focused approach.

6. Key Performance Indicators (KPIs)

- Monthly collection target achievement.
- Reduction in overdue accounts and portfolio delinquency.
- Collection efficiency and recovery rate.
- Number of effective customer visits and follow-ups.
- Adherence to payment commitments and follow-up schedules.
- Accuracy and timeliness of collection reports.
- Compliance with company policies and applicable regulatory requirements.

7. Job Requirements

- Must be comfortable with fieldwork across the assigned areas of Bhubaneswar and nearby locations.
- Must be willing to travel locally for customer visits and collection follow-ups.
- A valid two-wheeler driving licence and access to a two-wheeler are preferred.
- Candidates must demonstrate professional conduct, honesty, and accountability while dealing with customers.

8. Compensation and Benefits

Salary and incentives will be offered as per company policy, candidate experience, and suitability for the role.

9. Ideal Candidate Profile

The ideal candidate should be target-oriented, disciplined, and capable of managing customer follow-ups and field collections effectively. Candidates with experience in auto finance, vehicle loans, NBFCs, or banking collections will be given preference.

Apply Now: Interested candidates may share their updated resume with the HR Department of Khushbu Auto Finance Limited.

Pay: ₹13,000.00 - ₹17,000.00 per month

Benefits:

- Health insurance
- Life insurance
- Paid sick time
- Paid time off
- Provident Fund

Work Location: In person

📌 Collection Executive (Bhubaneswar)
🏢 Khushbu Auto Finance
📍 Bhubaneswar