Collections Executive

Location: Bangalore, Karnataka, India | Experience: Entry Level (1-3 years)

About the Company

Zolve is building a modern financial services platform for people navigating life across borders. The company’s mission is to remove friction from international money movement, access to financial products, and everyday financial administration. Its products are designed around a simple customer promise: make global living feel local. Zolve operates in a category where trust, speed, accuracy, and clear communication directly shape customer outcomes. The business combines technology with human support to help customers manage financial needs across countries and systems. In this environment, collections is not only about recovering overdue balances; it is about protecting portfolio health while treating customers fairly and helping them reach workable resolutions. The team values ownership, customer empathy, operational discipline, and practical problem-solving. Based in New York City and serving an internationally oriented customer base, Zolve offers an opportunity to work on financial operations with cross-border relevance and measurable business impact.

About the Role

As a Collections Executive, you will own timely and respectful recovery of overdue customer accounts across assigned portfolios. You will use collection systems, account information, communication channels, and structured follow-up processes to improve repayment outcomes while protecting customer trust. The role requires consistent prioritization, accurate documentation, and sound judgment when handling different customer situations. You will identify reasons for delinquency, explain payment obligations clearly, negotiate practical resolutions within approved guidelines, and escalate risks or exceptions through the right channels. Your work will directly influence cash recovery, delinquency control, portfolio health, and customer experience. Success means maintaining disciplined contact coverage, converting eligible accounts into payments or sustainable arrangements, keeping records reliable, and helping the wider operations team learn from recurring payment barriers.

Key Responsibilities

• Manage assigned overdue accounts through structured outreach, using approved calling and communication systems to increase contact rates, repayment commitments, and realized collections.
• Understand customer circumstances, explain balances and payment expectations clearly, and negotiate compliant repayment arrangements that improve recovery without compromising respectful customer treatment.
• Maintain complete and accurate account notes, promise-to-pay details, outcomes, and next actions in collection systems so portfolio reporting and handoffs remain reliable.
• Prioritize accounts using aging, risk, contact history, and payment behavior, directing daily effort toward cases with the greatest recovery and portfolio-health impact.
• Monitor repayment commitments and follow up consistently, reducing broken promises through timely reminders, documented actions, and escalation of unresolved cases.
• Identify disputes, hardship indicators, fraud concerns, and process gaps, escalating them through defined workflows to protect customers, compliance standards, and business outcomes.
• Share recurring delinquency patterns and customer feedback with operations stakeholders, supporting improvements to processes, messaging, and recovery effectiveness.

Essential Skills & Technologies

• Strong verbal and written communication, active listening, and negotiation skills, with the ability to explain financial information simply and handle difficult conversations professionally.
• Working proficiency with spreadsheets, customer relationship management tools, collection platforms, and digital communication channels; able to maintain accurate records and use data to prioritize action.
• High attention to detail, resilience, follow-through, and numerical comfort, with the judgment to follow policies, protect customer information, and escalate exceptions promptly.
• Ability to manage daily targets and competing accounts independently while maintaining quality, compliance, and a consistent customer experience.
• Familiarity with delinquency stages, payment follow-up, promise-to-pay tracking, account reconciliation, or customer support operations is valuable for achieving faster ramp-up.

Additional Plus

• Experience in fintech, banking, lending, payments, digital financial services, or other regulated customer-operations environments can accelerate understanding of account, payment, and compliance workflows.
• Exposure to multilingual or cross-border customer support can help you serve an internationally oriented customer base with greater clarity and empathy.
• Familiarity with collection performance metrics such as contact rate, roll rate, recovery rate, cure rate, and promise-to-pay adherence is an advantage.

What You'll Bring

• You bring a customer-first approach to collections, combining empathy with the confidence to discuss overdue obligations clearly and move conversations toward practical, documented outcomes.
• You bring disciplined execution: you can organize a daily account queue, work consistently against priorities, complete follow-ups on time, and keep every material interaction accurately recorded.
• You bring resilience and emotional maturity for handling repeated objections, missed commitments, and sensitive financial circumstances without losing professionalism or attention to detail.
• You bring sound judgment, knowing when to resolve an account within policy, when to investigate a discrepancy, and when to escalate risk, hardship, dispute, or potential misconduct.
• You bring comfort with numbers and technology, using account data, spreadsheets, CRM records, and collection tools to identify the next best action rather than relying on assumptions.
• You bring a continuous-improvement mindset, turning recurring customer questions and delinquency patterns into useful feedback that can improve workflows, communication, and recovery outcomes.
• You bring reliability as a teammate, sharing accurate updates, supporting clean handoffs, and contributing to a respectful operating culture where portfolio performance and customer trust are treated as connected outcomes.

Why Join Us

At Zolve, your work will sit close to both customer outcomes and business performance. As a Collections Executive, you will help people navigate financially difficult moments while strengthening the health of a platform designed for globally mobile customers. The role gives you direct ownership of measurable outcomes: recovered balances, improved repayment adherence, stronger account records, and fewer unresolved cases. You will build practical expertise across customer communication, payment behavior, operational controls, and technology-enabled financial services. Because collections generates valuable insight into customer friction, your observations can influence how the wider business improves processes and support journeys. You will work with colleagues who value accountability, empathy, and clear execution, giving you the space to develop judgment rather than simply follow scripts. The role is well suited to someone who wants a strong foundation in fintech operations and enjoys seeing a direct connection between disciplined daily work and portfolio results. By joining Zolve, you can contribute to making cross-border financial experiences simpler while developing capabilities that remain valuable across collections, customer operations, risk, and financial services.

What We Offer

• Work on a mission-driven financial platform serving customers with cross-border needs, where strong collections execution contributes directly to trust, access, and healthier financial outcomes.
• Build hands-on experience across fintech operations, customer communication, payment behavior, portfolio management, and technology-enabled recovery processes in a measurable role.
• Join a team that values ownership, empathy, clear communication, and practical improvement, with opportunities to turn frontline customer insight into better operating practices.
• Receive the benefits, compensation, and professional development opportunities associated with Zolve’s employment offering, subject to applicable company policies and local requirements.