Field Collection Associate

Role & responsibilities

Job Title: Field Recovery Executive / Field Collection Agent Department: Collections & Recoveries Industry: NBFC / Lending / Microfinance / Consumer Loans Location: [Specify] Reporting to: Recovery Manager / Collection Supervisor Job Summary The Field Recovery Executive is responsible for recovering overdue loan amounts from customers as per NBFC guidelines, maintaining compliance with RBI fair practices, and ensuring ethical and efficient recovery processes. Key Responsibilities • Visit delinquent customers as per bucket allocation (e.g., 30+, 60+, 90+ DPD) to recover overdue loans

. • Educate customers about their outstanding dues, penalties, and loan agreement terms.

• Persuade customers to make payments through cash/UPI/cheque or online modes as per NBFC policy

. • Maintain daily visit reports, payment receipts, and customer commitment details.

• Ensure recovery is done without harassment and strictly as per RBI Fair Practices Code

. • Skip tracing: locating absconding or unreachable customers through field investigation.

• Collect updated KYC, settlement request forms, or foreclosure documents when required.

• Follow up on allocated portfolio and achieve monthly recovery targets.

• Handle disputes, fraud, or broken promise cases and escalate them to the Recovery Manager.

• Coordinate with branch staff, tele-calling team, and backend recovery team. Required Skills & Qualifications

• Minimum 10th/12th pass; graduation preferred.

• 13 years experience in NBFC/Banks/Fintech collections preferred.

• Good communication, negotiation, and persuasion skills. • Ability to work in the field and cover different areas.

• Basic smartphone and app handling skills (NBFC Recovery App)

. • Knowledge of loan products: personal loans, business loans, two-wheeler loans, gold loans, etc

. • Honest, disciplined, and target-driven.

Preferred candidate profile