Debt Recovery Agent

Job Summary: We are looking for an experienced Recovery / Collection Executive with at least 2 years of experience handling Payday Loans, Short-Term Micro-Loans, or Digital Lending collections. The candidate should have strong communication skills, negotiation tactics, and a professional approach to overdue payment recovery. Key Responsibilities: Outbound Recovery Calling: Call overdue borrowers to follow up on pending repayments for short-term/payday loan accounts. Payment Negotiation: Negotiate settlement/repayment schedules within company guidelines while maintaining legal and RBI compliance standards. DPD Tracking: Track and manage accounts across different delinquency buckets (1–30 DPD, 30–60 DPD) to minimize Default/NPA rates. Skip Tracing & Follow-ups: Identify alternate contact details and trace unresponsive clients using CRM tools and available records. Record Maintenance: Update call logs, disposition status, payment promises (PTP), and payment proof regularly in the CRM software. Customer Dispute Handling: Address customer concerns regarding repayment amounts, charges, or app issues professionally. Requirements & Qualifications: Experience: Minimum 2 years of experience in Loan Recovery / Tele-collection specifically within Payday Loans, Short-Term Personal Loans, or Fintech Digital Lending. Education: 12th Pass or Graduate. Certification: DRA (Debt Recovery Agent) certification preferred. Skills: Strong negotiation and persuasive communication skills. Proficiency in Hindi and basic English (knowledge of regional languages is a plus). Familiarity with CRM calling tools and collection reporting. Clear understanding of RBI collection guidelines and fair practice codes.