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Officer -Micro Banking Collections-Karnataka

Talentmate

India

24th July 2026

2607-38489-600

Job Description

POSITION DESCRIPTION

JOB TITLE : Officer-Collection Micro Banking

GRADE : DM-I

DEPARTMENT : Collections

LOCATION : Branch

SUB-DEPARTMENT : Micro Banking

TYPE OF POSITION : Full-time

REPORTS TO : Cluster Collections manager

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE

This role is responsible to follow-up with Default customer for Recovery of over-due amount as per the Allocation
For any unresolved cases, the incumbent needs to decide on the most value added mode of follow-up; adopt different strategies for the collection at different point of time; work on having the customers being treated well during the Overdue Follow up; Motivate the customers to make On Time Repayment; Trace out the absconded default customers and initiate recovery process
SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Portfolio – 350 + accounts with arrear of 70+ lacs
NA
KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

Follow up with the customers to collect the repayment from the customer
Convince the customers to make the repayment, take PTP’s and follow up
Update the status of the repayment to branch staff
Update the details of the interaction with the customer in the Software
Issue the Receipt to the customer and deposit the amount with the Cashier
Communicate the customers about the consequences of non-payment
Trace out of absconded default customers and initiate recovery process
Initiate the Legal process in case of Non-Repayment based on the Document available with the organization
Manage collection process and legal guidelines; Initiate the process of reporting full details about non-payment customers for action plan and maintain the Monthly Collection Target is met
Ensure that the Monthly individual collection target is met

Customer

Interact with the customers politely, Convince the customer to make the repayment
Maintain fair collection practices while dealing with customers
One should contact people other than the customers only to locate the borrower
Communicate the Consequences thoroughly to the customers about the Non-payment
Issue the notices to the customers at different stages with details of further course of action
Understand the customers’ situation and adopt various strategies for collection
Customers should be treated with respect and no false, deceptive, or misleading claims should be made for the purpose of collecting repayments. This includes misrepresenting his/ her identity or falsifying facts about debt status or consequences of non-repayment or claiming any monetary or non-monetary awards post tracing of the customer.

Internal process

Ensure that collection process and legal guidelines to be adhered
Recommend for legal actions for non-recoverable cases above Rs 10,000 O/s cases and follow up with the Legal Cell for the closure of the cases
Complete administrative work related to collection such as updating delinquent account history, updating change of customers' information, providing and maintaining MIS report, reviewing of collection feedback on Daily, Weekly & Monthly basis, etc
Review the Cases with Manager before taking further course of action
Report any fraud identified in the field to Vigilance
Interact with different teams at appropriate verticals and if required engage them for collections.
Recommendation of doubtful overdue cases for writing off in co-ordination with the team.

Learning & Performance

Ensure that you are up to date on all relevant circulars and all products/services offered in the Branches.
Ensure adherence to training man-days/ mandatory training programs for self
Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self.
Ensure coordination between different teams, to build a collaborative spirit and shared sense of purpose.
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

12th Pass/ Graduate in a related field

Experience

2 years of experience for 12 th Pass candidate and/or 1 year of experience for a graduate in relevant areas of collections, risk controls

Certifications

Functional Skills

Fluent in Communication in the local language
Understanding of the documents of the Secured Loans
Knowledge of various strategies that can be adopted for recovery of secured loan – Legal etc.
Has to have tenacity in meeting targets.
Take responsibility of effectiveness and timely completion of work.
Planning, organizing and time management skill. Should have the ability to prioritize.

Behavioral Skills

Good Convincing skills which can be adopted during the collection.
Strong communication skills with the ability to communicate directly with field staff & customers.
Local language skills will be preferred
KEY INTERACTIONS

INTERNAL

EXTERNAL

Vigilance officers

Customers and Family Members

Tele Callers and Back End Collection Manger

Police Personnel

Branch Head, Loan Officer, ACRMs, CRMs, Credit Officers

Legal Manager

PREPARED BY

DATE

REVIEWED BY: Collection Team

DATE: 02-02-2024

LAST UPDATED BY: TM Team

DATE: 03-02-2024

Job Details

Role Level:	Not Applicable	Work Type:	Full-Time
Country:	India	City:	Tambaram ,Tamil Nadu
Company Website:	https://www.ujjivansfb.in	Job Function:	Field Sales & Outdoor Services
Company Industry/ Sector:	Other

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