Guangfa’s collection department has two establishments, one is labor dispatch and the other is company establishment (that is, the card center establishment)

General collection officers are the former, and senior collection specialists are the latter. But generally, senior debt collectors will be promoted internally, and rarely hired from outside, unless you have done credit card debt collection before.

As for the difficulty of the job, senior debt collectors are basically responsible for handling work orders, collecting debts from problem customers, training new employees, etc. The intensity is the same.

Basic salary + year-end bonus = 5 to 6W + 5000 to 8000, I guess

But if HR recommends you to be a general collection clerk first, it will be less

Affected by the current epidemic and the slowdown in economic growth at home and abroad, small and micro enterprises are facing problems such as high operating pressure, increased costs, and financing difficulties, resulting in a corresponding increase in the risk of bad debts in small and micro enterprise loans. big. A hard-working loan officer has compiled tips and precautions for collection after a loan is issued. I hope it will be helpful to everyone.

Collection is mainly divided into three levels: junior collection, intermediate collection and advanced collection. Primary collection mainly provides simple credit education to customers and explains penalty interest and late payment fees. Intermediate collection mainly involves tug-of-war with the other party. Advanced collection mainly adopts weakness breakthrough and extreme high pressure.

Collection ideas

1. When collecting money, first understand the customer’s background and proceed step by step. Just contact the customer himself and wait for a few days. If there is no progress, the customer will start contacting the customer contact person. Put pressure on it. Don't quarrel with the customer at the beginning, as this will make subsequent work difficult to progress.

2. We can play a variety of roles during collection, and think about the problem from the customer's perspective, so that they feel that we are helping the customer.

3. Follow up from time to time during collection, keep in touch with customers, and send blessings to customers from time to time to maintain healthy communication.

4. When collecting money, you should pay attention to maintaining the efficiency of the call, analyze specific customers, understand the customer's psychology, and grasp the customer's pain points. For example, if a client is afraid of his parents, we can force his parents to put pressure on him, or if he is afraid of legal liability, we can use legal means to put pressure on him, etc.

5. We should pay attention to several points. We should pay attention to our professional skills, speaking skills, logical thinking, and legal knowledge when collecting debts.

Collection Tips

(1) The collection work is reasonable and legal, and the collector should be neither humble nor overbearing

If a debtor has a bad attitude, the purpose is to scare the collector , so that collection personnel will make fewer calls or dare not make calls. When encountering such a person, you can adopt the principle of three stops. The first time is to remind the other party to pay attention to the way he speaks; the second time is to inform the other party that both parties have equal status; the third time will be a serious warning: "For borrowers with lower quality, other methods will be adopted." Collection of loans”.

(2) Collection personnel need to master the skill of "looking, hearing, asking and understanding"

Looking: looking at the information - occupation, age, identity, regional differences, and classifying them into hierarchical categories and treating them accordingly ;

Wen: Listening - understanding the other party, identifying truth and falsehood, and catching loopholes in the other party's words;

Question: In-depth understanding of point-to-point, detailed exploration of doubtful areas, with the purpose of breaking lies , and let the customer redress the loss;

Check: Confirm the problem point, change the pace of negotiation, and determine the solution.