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Collections Executive-Agri-Fin-Dealer Funding(DF) -Recovery Branch

Kotak Mahindra Bank Ltd · Fatehgarh Sahib, India · Onsite

  • Professional
  • Office in Fatehgarh Sahib
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Job Title: Collection Executive – Agri Finance / Dealer Funding Recovery

Department: Collections & Recovery – Agri Finance / Dealer Funding

Location: Branch

 

Role Purpose:

To ensure timely recovery of dues from Agri Finance and Dealer Funding customers by following up on overdue accounts, maintaining healthy portfolio quality, and supporting branch-level collection targets while maintaining compliance and customer relationship standards.

 

Key Responsibilities:

  • Manage recovery of overdue accounts under Agri Finance and Dealer Funding portfolio.
  • Conduct regular follow-ups with delinquent customers through field visits, phone calls, and dealer/guarantor coordination.
  • Implement collection strategies as per company policies to minimize delinquency and NPA.
  • Ensure timely updating of collection system/ MIS with follow-up details and recovery status.
  • Liaise with branch staff, dealers, and channel partners for effective collections.
  • Recommend legal / repossession actions for chronic default accounts in consultation with branch manager and recovery head.
  • Achieve monthly and quarterly recovery targets assigned by the branch.
  • Assist in settlement negotiations and closure of overdue accounts.
  • Maintain documentation and reports related to collections, recovery actions, and customer interactions.
  • Ensure compliance with regulatory, audit, and company guidelines while handling recovery cases.
 

Key Skills & Competencies:

  • Strong understanding of Agri finance, dealer funding, and retail lending products.
  • Good knowledge of collection processes, legal recovery, and repossession.
  • Excellent communication, negotiation, and persuasion skills.
  • Ability to handle field collections and customer interactions.
  • Target-oriented and ability to work under pressure.
  • Familiarity with MS Office, MIS reporting, and collection systems.
 

Qualifications & Experience:

  • Graduate in any discipline (preferably Commerce / Finance background).
  • 1–3 years of experience in collections / recovery in Agri finance, CV, tractor loans, dealer funding or similar retail assets.
  • Prior branch-level recovery experience preferred.
  • Knowledge of local language and geography is essential.