Field Recovery Agent – Jammu & Nearby Areas

Company: DavinCred
Location: Jammu (covering Jammu city and surrounding towns)
Role Type: Full-time | Field-based Recovery

Role Overview
DavinCred needs a dedicated Field Recovery Agent to handle overdue loan collections across Jammu and nearby regions. You’ll visit customers, recover pending payments, locate skip cases, and resolve accounts professionally while staying compliant with all legal guidelines.

Main Responsibilities

• Travel to customer homes or workplaces in Jammu and surrounding areas to collect overdue EMIs and outstanding amounts.

• Discuss loan balances, late fees, and available payment solutions with customers in a clear manner.

• Arrange and document repayment schedules, partial payments, or settlements following company approval limits.

• Track down updated addresses and contact details for customers who have moved or become unreachable.

• Record all daily visits, conversations, collections, and outcomes; share reports with the team lead.

• Deposit all cash, cheques, or digital payments securely as per company timelines.

• Work with the phone collection team on difficult accounts, disputes, or cases needing escalation.

• Follow RBI regulations, fair collection practices, and DavinCred’s internal policies during all field activities.

Who We’re Looking For

• Education: 12th pass minimum; graduates preferred.

• Experience:

  • At least 1 year working in field recovery, collections, or loan agency operations.

  • Bonus if you’ve handled vehicle loans, personal loans, or consumer finance recovery.

• Local Knowledge: Must know Jammu city roads well and nearby areas like Samba, Udhampur, Akhnoor, etc.

• Requirements:

  • Own two-wheeler + valid driving licence.

  • Android phone with WhatsApp, Google Maps, and basic apps.

• Skills:

  • Good speaking and convincing skills in Hindi; knowledge of local languages helps.

  • Honest, hardworking, and comfortable travelling extensively.

  • Can stay calm and professional during challenging customer discussions.

What DavinCred Provides

• Base salary + strong incentives based on recovery targets.

• Fuel and travel allowance as per policy.

• Training on loan products, recovery processes, and legal requirements.

• Clear path to become senior recovery officer or team supervisor for top performers.