Position

Junior Officer – Credit & Recovery

Vacancy Number

1

Duty Station

Dang

Application Deadline

2026-09-08

Company

Sipradi Hire Purchase Pvt. Ltd.

Department

Credit and Recovery

Job Description

Conduct customer visits to assess creditworthiness and collect required information.

Verify and collect all necessary documents as per the company’s credit policy.

Obtain credit reports from the Credit Information Centre Limited (CICL) and other financial institutions, where required.

Prepare credit appraisal reports and process loan files for approval.

Verify loan and legal documentation before loan disbursement.

Issue Delivery Orders (DO) to authorized dealers for vehicle delivery.

Coordinate with sales teams, banks, and customers for timely ownership transfer.

Monitor assigned loan portfolios and maintain targeted Non-Performing Asset (NPA) levels.

Follow up with customers to ensure timely EMI payments and provide payment reminders.

Execute recovery activities, including legal follow-up, notice issuance, and vehicle repossession when required.

Maintain accurate records and submit timely reports related to credit and recovery operations.

Ensure compliance with company policies, regulatory requirements, and internal procedures.

Job Specifications

Bachelor’s degree in Management.

Intermediate (+2) in Management with at least 1 year of relevant experience may also be considered. • Minimum 1 year of experience in credit, recovery, banking, finance, or a related field.

Knowledge of credit assessment, loan documentation, and recovery processes.

Good communication, negotiation, and interpersonal skills.

Strong analytical and problem-solving abilities.

Proficiency in MS Office applications and ERP systems.

Ability to manage multiple tasks and meet recovery targets.

Willingness to travel for customer visits and field recovery activities.

Valid two-wheeler driving license will be an added advantage.