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[20 / 10 / 2025] Collections Executive

[20 / 10 / 2025] Collections Executive

Zyoin GroupIndia
2 days ago
Job description

Role : Collections Executive

Location : Bangalore

Employment Type : Full-Time

We are looking for a motivated and customer-focused Collection Executive to join our team, specializing in the recovery of overdue payments for US-based credit card accounts. The ideal candidate will have excellent communication skills, strong negotiation abilities, and a deep understanding of credit card collections, ensuring compliance with US regulations and delivering effective resolutions for delinquent accounts.

RESPONSIBILITIES-

Collection Activities :

  • Manage assigned portfolios of delinquent US credit card accounts.
  • Contact customers via phone, email, or other communication channels to recover overdue payments.
  • Negotiate payment arrangements or settlements that align with company policies.

Account Management :

  • Update and maintain accurate records of collection efforts and outcomes.
  • Identify accounts requiring escalations or legal actions and forward them to the appropriate teams.

    • Regulatory Compliance :

  • Ensure all collection activities adhere to US regulations, including the Fair Debt Collection Practices Act (FDCPA).
  • Handle sensitive customer information in compliance with data protection standards.

    • Customer Service :

  • Address customer queries and concerns regarding their credit card accounts professionally.
  • Educate customers about repayment options and the consequences of non-payment.

    • Performance & Reporting :

  • Meet or exceed monthly collection targets and key performance indicators (KPIs).
  • Prepare regular reports on collection progress, payment trends, and account statuses

    • QUALIFICATIONS

    Education : Bachelor’s Degree in Finance, Business or related field

    Experience :

  • 2-6 years of relevant experience of working in the collections team for consumer credit products such as Credit Card, Personal Loan, Education Loan, 2W and 4W, Home Loan, etc
  • Experience in developing and enacting debt recovery plans and strategies to prevent losses

    • Technical Skills :

  • Excellent knowledge of various collection techniques
  • Experience in developing and enacting debt recovery plans and strategies to prevent losses
  • Knowledge of MS Office, Data Interpretation, databases, and alternate modes of collections

    • Soft Skills :

  • Excellent communication and interpersonal skills
  • Demonstrated experience of being empathetic with customers
  • Problem-solving and critical-thinking skills
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    Collection Executive • India