Collection Officer / Debt Officer

Company Description Vistaar Financial Services Pvt Ltd is a mission-driven financial services provider founded by first-generation entrepreneurs who focus on expanding economic opportunities for deserving micro-entrepreneurs. The company serves the “missing middle” segment, which is often excluded or under-served by traditional financial institutions. Vistaar provides finance at a reasonable cost, with transparent processes, and designs customized loan products suited to diverse livelihoods and micro and small enterprises. By tailoring offerings across loan size, repayment frequency, tenor, and security, the company supports sectors such as dairy, power loom, handloom, home-based industries, and handicrafts. Vistaar aims to continually attract capital and talent to scale its impact in the largely untapped micro-enterprise financing market.Role Description This is a full-time, on-site role for a Collection Officer / Debt Officer based in Nizamabad. The role involves managing collections for assigned loan portfolios, ensuring timely recovery of dues while maintaining professional and respectful interactions with customers. The Collection Officer / Debt Officer will regularly visit customers, review repayment status, negotiate repayment plans where necessary, and document all collection activities accurately. The role includes analyzing customer accounts to identify risks or delays, coordinating with branch and credit teams to resolve issues, and escalating complex cases in line with company policies. The individual will also support adherence to regulatory and internal compliance guidelines, promote customer awareness of repayment obligations, and contribute to maintaining portfolio quality and minimizing delinquency.Qualifications Candidates should possess strong Debt Collection skills, including field collections, follow-up, and negotiation abilities.Candidates should possess solid Analytical Skills to review loan accounts, identify repayment trends, and assess collection risks.Candidates should possess effective Customer Service skills to handle queries, build trust, and maintain long-term borrower relationships.Candidates should possess clear and professional Communication skills for in-person discussions, phone calls, and documentation.Candidates should possess basic Finance knowledge, including understanding of loan products, repayment structures, and interest calculations.Prior experience in microfinance, NBFCs, or banking collections is preferred.Ability to work extensively on-site and conduct regular field visits in and around Nizamabad.Proficiency in local language(s) and working knowledge of basic computer applications (MS Office, mobile apps) is beneficial.Minimum educational qualification: Higher Secondary or Graduate degree in any discipline; commerce or finance background is an advantage.Strong ethical standards, reliability, and the ability to work independently while following organizational policies.