Collection Officer

Job description

Portfolio Management • Manage the assigned collection portfolio across Current, X-Bucket, Bucket 1, Bucket 2, and Bucket 3. • Monitor customer repayment behaviour and ensure timely follow-up. • Maintain portfolio quality by minimizing delinquency and preventing bucket roll-forward. Collection & Recovery • Ensure timely collection of EMIs and overdue amounts from assigned customers. • Conduct field visits and negotiate repayment commitments with customers. • Achieve monthly collection and recovery targets as assigned. Compliance & Documentation • Adhere to company policies, regulatory guidelines, and collection processes. • Update collection activities, customer commitments, and payment status in the system. Coordination & Stakeholder Management • Coordinate with Branch Managers, Sales, Credit, and Operations teams to resolve collection issues. • Escalate high-risk or non-responsive accounts to the reporting manager. • Support team initiatives to improve collection efficiency and portfolio performance.