Debt Recovery Specialist - 3+ Years NBFC / DRA Certified

Key Responsibilities

• Handle assigned overdue loan accounts through outbound calls and follow up with customers for repayment of pending EMIs.
• Manage delinquent accounts and drive recovery of outstanding dues, particularly from high-DPD or hard-bucket portfolios.
• Communicate with customers, understand reasons for non-payment, negotiate repayment commitments, and encourage timely resolution.
• Follow up on Promise-to-Pay (PTP) commitments and broken PTPs to improve collection efficiency.
• Achieve assigned daily, weekly, and monthly collection targets.
• Handle customer objections and payment-related queries professionally.
• Maintain accurate records of customer interactions, payment commitments, and recovery status in the CRM/system.
• Follow company policies, applicable RBI guidelines, the Fair Practices Code (FPC), and ethical collection practices.

Required Skills & Qualifications

• Minimum 3 year of experience in NBFC/Fintech/Banking collections or loan recovery.
• Prior experience in tele-collections or voice-based loan recovery is preferred.
• Strong verbal communication skills in at least one of the following languages:
• Tamil
• Telugu
• Malayalam
• Kannada
• Basic understanding of loan products, EMIs, overdue accounts, DPD, and collection processes.
• Good negotiation, customer-handling, and follow-up skills.
• Ability to work in a target-driven environment.
• Basic computer and CRM knowledge.

Preferred Candidate Profile

Candidates who have worked as Collection Executives, Tele Collection Executives, Recovery Executives, Loan Recovery Officers, or Debt Recovery Executives are encouraged to apply.

Experience handling 90+ DPD delinquent accounts, personal loans, digital loans, or unsecured loan portfolios will be an added advantage.