This job is provided by apna.co Job Title: Card Collection Recovery Executive

Department: Collections / Recovery

Location: Lajpat Nagar New Delhi

Reporting to: Collections Manager / Recovery Head

Job Purpose To manage and recovery

rdue payments on banking cards (credit/debit/prepaid) by communicating with delinquent customers, ensuring compliance with regulatory and internal policies while minimizing loss to the bank.

Key Responsibilities Contact delinquent customers via calls, emails, or field visits to recover overdue card payments.

Negotiate and persuade customers to settle dues through structured payment plans or settlements.

Maintain accurate and timely records of communication, follow-ups, and recovery status in the system.

Monitor assigned accounts to identify outstanding debts and take appropriate recovery actions.

Coordinate with legal, risk, and collections teams for escalated accounts or legal recovery actions.

Follow RBI and internal compliance guidelines while dealing with customers.

Prepare daily/weekly/monthly recovery reports and performance updates.

Ensure a customer-centric yet firm approach to maintain the bank’s reputation and reduce delinquencies.

Key Skills And Competencies Strong communication and negotiation skills

Knowledge of banking products and card recovery processes

Good understanding of regulatory and compliance standards

Basic data entry and reporting skills (Excel, CRM systems)

Ability to work under pressure and meet recovery targets

Customer-oriented with problem-solving abilities

Qualifications And Experience

• Graduate in any discipline (Commerce/Finance preferred)
• 6–1 years of experience in collections, preferably in card recovery
• Familiarity with banking collection tools and software is a plus

Working Conditions May require field visits and flexible work hours based on recovery needs

Target-driven role with performance-linked incentives (optional)