Debt Recovery Agent

Debt Recovery Agent will be responsible for engaging with customers who have overdue payments, negotiating suitable repayment plans, and ensuring effective recovery while maintaining a professional and empathetic approach. This role requires strong communication skills, persistence, and an understanding of customer behavior. Candidates with prior experience in call center operations, loan recovery, or customer service will be given preference. However, freshers with excellent communication and negotiation skills are also encouraged to apply. Key Responsibilities The Debt Recovery Agent will reach out to customers through phone calls, SMS, or emails to follow up on overdue payments and provide them with clear information regarding pending dues, repayment schedules, and account status. The role involves handling challenging conversations with patience, empathy, and professionalism. The agent will be responsible for negotiating repayment plans that are realistic and mutually acceptable while ensuring all commitments and payment details are accurately updated in the system. Offering feasible settlement options within company guidelines is an important part of the process. Maintaining detailed call logs, follow-up actions, and recovery updates in CRM tools or internal databases is essential. The agent must document all customer interactions accurately and report daily recovery performance to team leaders or managers. The role also requires coordination with the finance, legal, and operations teams for account updates or escalations. The agent will take part in training programs focused on compliance, communication, and customer engagement, and will contribute ideas to improve processes and enhance efficiency. It is crucial to follow company policies and RBI/industry guidelines for ethical debt recovery. The agent must handle all customer data confidentially and ensure that every interaction reflects professionalism and respect. Qualifications and Requirements The minimum educational qualification required is HSC (12th Pass). Candidates who are graduates in Commerce, Business, Finance, or related fields will be preferred. Experience in debt recovery, collections, call center, or customer service roles ranging from 0 to 2 years is desirable. Freshers with strong communication and negotiation skills are welcome to apply. Candidates who already possess a Debt Recovery Certification will be given preference. For selected candidates without certification, the company will sponsor the certification program. Key Skills and Attributes Candidates should have excellent verbal communication skills in Hindi, Marathi, and English, along with strong negotiation and problem-solving abilities. Patience, empathy, and resilience are essential qualities for success in this role. Basic computer literacy, including familiarity with MS Office, CRM tools, and data entry systems, is required. Time management, self-discipline, and a target-oriented mindset are highly valued. Salary and Compensation The monthly salary range for this position is between ₹15,000 and ₹22,000, depending on experience and communication skills. In addition to the fixed salary, attractive performance-based incentives are offered based on recovery achievements. Work Details This is an on-site, office-based position. Work will be conducted in day shifts, with a six-day working week and one rotational weekly off. Comprehensive induction and certification training will be provided at the time of joining. Employee Benefits. Employees will benefit from company-sponsored certification programs, ongoing training, and continuous skill development. The incentive structure is transparent and directly linked to individual performance. The position also offers clear opportunities for career advancement into senior recovery or team leader roles.