Field Executive-RELATIONSHIP BANKING GROUP-RA-Risk Control Unit

To manage and execute recovery strategies for delinquent and non-performing assets within the Relationship Banking Group portfolio, ensuring timely resolution, minimizing losses, and maintaining regulatory compliance.

• →Track and manage overdue accounts and initiate recovery action for delinquent commercial banking customers.
• →Liaise with relationship managers and legal teams to plan and execute recovery strategies for stressed assets.
• →Conduct follow-ups with borrowers for repayment through calls, visits, and formal communication.
• →Negotiate and structure repayment plans, settlements, or restructuring in line with bank policies.
• →Initiate and monitor legal recovery proceedings (e.g., SARFAESI, DRT, civil suits) where necessary.
• →Maintain detailed documentation and MIS related to recovery efforts, court proceedings, and repayment schedules.
• →Monitor and report progress of recovery cases to senior management with recommendations for further action.
• →Ensure compliance with all internal policies and external regulatory requirements related to loan recovery.

• Strong knowledge of commercial banking products and credit processes.
• Understanding of legal recovery procedures and applicable banking laws (e.g., SARFAESI, IBC).
• Negotiation and persuasion skills to deal with defaulting clients.
• Analytical ability to assess repayment capacity and financial restructuring options.
• Good communication and interpersonal skills.
• Proficiency in MS Office and banking systems.

• Graduate/Postgraduate in Commerce, Finance, Law, or related field.
• 2–5 years of experience in credit recovery, collections, or commercial banking operations.

Experience in handling legal recovery cases is preferred.