Collection Executives

Collection Executive | Used Car Loans

Department: Collections & Recovery

Product: Used Car Loans

Location: Bangalore

Role: Collection Executive – Field Collections

Responsible 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.

• 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.

Education: 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: Good 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.

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