Mortgage Collections Specialist

Ready to shape the future of work? At Genpact, we don’t just adapt to change—we drive it. AI and digital innovation are redefining industries, and we’re leading the charge. Genpact’s AI Gigafactory, our industry-first accelerator, is an example of how we’re scaling advanced technology solutions to help global enterprises work smarter, grow faster, and transform at scale. If you thrive in a fast-moving, tech-driven environment, love solving real-world problems, and want to be part of a team that’s shaping the future, this is your moment. Genpact (NYSE: G) is an advanced technology services and solutions company that delivers lasting value for leading enterprises globally. Job Description We are inviting applications for the role of Process Associate/Developer, Mortgage Collection Officer. The successful candidate will be responsible for managing the collection of arrears from clients who are unable to meet the contractual repayments on their Bank Loan. Responsibilities Communicate with clients who are in arrears on their loans through making and receiving telephone calls, SMS, and emails. Bring Domain expertise in commercial loans operations. Negotiate and agree on repayment arrangement plans with clients or their representative to bring their account up to date. Discuss complex and sensitive matters with clients or their representative regarding the clients’ accounts (including reasons for arrears) over the telephone. Liaise with various internal teams to identify, refer to, and/or put in place financial assistance options to help the client meet their contractual obligations. Identify, recommend, and manage legal enforcement action to protect the Bank’s security and recover the unpaid debt. Maintain accurate and up-to-date records of client interactions, reasons for arrears, outcomes of discussions, and repayment arrangements. Manage a portfolio of accounts and meet productivity, arrears, and loan losses Key Performance Indicators (KPIs) and targets. Identify and recommend process improvement suggestions. Identify and refer to management any areas of concern that may impact the client experience and expose the Bank to potential losses or instances of non-compliance with regulatory guidelines or community expectations. Assist with investigating and resolving client complaints and disputes. Comply with all regulatory requirements and adhere to Bank policies and procedures in performing all aspects of the role. Participate in projects and other system/process improvement initiatives as required. Support other team members to ensure team objectives are achieved. Provide reporting and arrears data as required. Perform other duties as assigned by management. Qualifications Minimum Qualifications / Skills: High School / Senior High School graduates with Customer Service experience, or equivalent demonstrated through one or a combination of the following: Work experience, training, military experience, education are accepted. College graduates/under-graduates are preferred for applicants without experience. Collections experience with consumer home loans or within the financial services industry is highly preferable. Working knowledge of the consumer legal and regulatory environment is highly regarded and preferred. Preferred qualifications: Demonstrated ability to think like an entrepreneur with exceptional problem-solving, analytical, solution-focused, and decision-making abilities. Exceptional written and verbal communication skills. Above-average influencing and negotiation skills. Self-motivated, results-driven, collaborative, and team player with the ability to work autonomously. A client-first passion with an empathetic nature whilst maintaining the privacy and confidential nature of a client’s circumstances. Resilient, empathetic, understanding, and patient. Proficient with technology. Why join Genpact? Be a transformation leader – Work at the cutting edge of AI, automation, and digital innovation. Make an impact – Drive change for global enterprises and solve business challenges that matter. Accelerate your career – Get hands-on experience, mentorship, and continuous learning opportunities. Work with the best – Join 140,000+ bold thinkers and problem-solvers who push boundaries every day. Thrive in a values-driven culture – Our courage, curiosity, and incisiveness - built on a foundation of integrity and inclusion - allow your ideas to fuel progress. Genpact is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color, religion or belief, sex/age, national origin, citizenship status, marital status, military/veteran status, genetic information, sexual orientation, gender identity, physical or mental disability or any other characteristic protected by applicable laws. Genpact is committed to creating a dynamic work environment that values respect and integrity, customer focus, and innovation. Furthermore, please do note that Genpact does not charge fees to process job applications and applicants are not required to pay to participate in our hiring process in any other way. #J-18808-Ljbffr