Debt Recovery Agent

About the Role

Job for a Debt Recovery Agent at Paytm, requiring 0-5 years of experience with a salary range of 2.75 to 3.5 Lacs PA.

What You Should Know

• •Bucket-wise collections (0-30, 30-60, 60-90 DPD) and how strategy differs by bucket
• •Soft collections (calls/reminders) vs hard collections (field visits, legal) vs recovery on written-off accounts
• •RBI's Fair Practices Code and recovery agent conduct guidelines
• •Skip tracing - techniques to locate a borrower who's stopped responding
• •Roll rate - the % of accounts that move from one delinquency bucket to the next

Interview Questions

1. 1.How would you prioritize your calling list for a 30-60 DPD bucket with limited agent bandwidth?
2. 2.What's the difference between a One-Time Settlement (OTS) and restructuring?
3. 3.How do you keep collections calls compliant with RBI's fair practice guidelines while still being effective?
4. 4.What is roll rate and why does it matter more than absolute collections in some situations?
5. 5.What field-visit protocols would you follow for a skip-traced borrower?

Scenario-Based Questions

1. 1.A borrower agrees to pay in 3 installments but misses the first one. What's your next move?
2. 2.You suspect a field agent is misrepresenting themselves to pressure a borrower. How do you handle it?
3. 3.Your bucket's roll rate to the next stage jumped from 25% to 40% this month - what would you investigate first?

Interview Tips

• •Come with numbers: resolution rate %, roll rate, collection efficiency - collections is a metrics-heavy function.
• •Know RBI's recovery agent code of conduct; compliance-awareness is a common screening question.
• •For senior roles, expect questions on collection strategy design (segmentation, dialer/calling algorithms), not just execution.