Own and manage an assigned customer portfolio, ensuring active engagement and accountability for cure performance.
Drive Partial and Full Cure outcomes through structured repayment follow-ups, negotiation, and relationship management.
Prevent roll-forward of delinquent accounts by identifying and resolving early warning signs of default.
Conduct thorough customer and business verifications (KYC/KYB Re-verification) to validate authenticity and credit worthiness.
Provide field intelligence to support credit assessment, limit reviews, and customer risk profiling.
Collaborate with Sales and Collections teams to align recovery actions and maintain smooth portfolio transitions.
Execute targeted recovery drives ("Recovery Storms") to improve cure rates across aging buckets.
Monitor and track portfolio performance using the point-based cure scoring system for monthly evaluation.
Generate and submit timely field and performance reports, highlighting repayment progress and risk exposures.
Recommend operational and policy improvements based on field insights to enhance overall credit recovery efficiency.
Person Specification:
2-3 years' work experience (banking or financial services sector is a bonus)
Experience in a Microfinance bank is an advantage
Proven experience as a debt/recovery collector (FMCG, Pharmaceutical sector is a bonus)
Proficiency in the use of Microsoft Office Suite and Accounting software
Ability to multitask
Strong communication (writing and verbal), analytical and negotiation skills