Abhi Ghosh
Regional Collection Manager
Kolkata DOB: 15-Mar-1991
Summary
Regional Collection Manager with a proven track record with MD Award winner at Poonawalla Fincorp Ltd, excelling in debt recovery and portfolio analysis. Enhanced collection efficiency through innovative strategies, reducing bad debt losses significantly. Known for strong problem-solving abilities and fostering teamwork, driving exceptional results in challenging environments.
Overview
16
16
years of professional experience
1
1
Language
Work History
Regional Collection Manager
Poonawalla Fincorp Ltd
08.2023 - Current
- Managing the delinquent portfolio(90-180 DPD) of Unsecured products like BL,PL & LTP for entire East Zone.
- Streamlined collections processes for improved productivity and to save GCL.
- Enhanced collection efficiency by implementing innovative strategies and best practices.
- Reduced bad debt losses through effective monitoring and timely follow-ups on delinquent accounts.
- Provided comprehensive training for new hires, cultivating a team of highly skilled collection professionals.
- Worked with customer to create debt repayment plan based on current financial condition.
Divisional Manager
Mahindra & Mahindra Financial Services Ltd
05.2023 - 08.2023
- Was responsible to take care Bad Debt pool of Auto Loan, CV, Tractor & Machinery for West Bengal, Sikkim.
- Used to mange Repo vendors & inhouse team of 56 team members including 5 ACM.
- Streamlined divisional operations for increased efficiency through process improvement initiatives.
- Reduced operational costs, identifying areas of inefficiency and implementing cost-saving measures.
- Enhanced team performance by implementing strategic management plans and setting clear objectives.
- Delivered exceptional results despite challenging market conditions by staying agile and adapting strategies accordingly.
Collection Manager
Toyota Financial Services Ltd
03.2016 - 05.2023
- Used to manage delinquent portfolio of Auto Loans (Bkt-1 to WO) for entire East.
- Used to manage the task with collection vendors & 3 on roll ACMs.
- Enhanced team morale through strategic process improvements.
- Worked closely with legal counsel to pursue necessary actions against non-compliant debtors, ensuring company interests were protected at all times.
- Negotiated settlements with customers experiencing financial difficulty, preventing potential litigation costs and preserving client relationships.
- Collaborated with sales teams to develop comprehensive credit policies for new clients.
- Improved customer relationships through effective negotiation and conflict resolution techniques.
Recovery Officer
Dalmia Bharat Cement Ltd
07.2015 - 01.2016
- Responsible to take care delinquent accounts(90+) of Dealership/Retailers & Builders
- Maintained detailed records of all collection activities.
- Ensured accurate reporting and proper case documentation.
- Generated company's revenue by recovery from Written off pool.
- Exceeded monthly targets consistently throughout the tenure due to consistent follow-up activities combined with effective negotiation skills.
- Developed strong relationships with clients, fostering trust and promoting positive outcomes during the recovery process.
Relationship Manager
Matrimony.com Ltd
03.2014 - 04.2015
- Was responsible to manage the subscription collection though inhouse team of 28 members & 3 Telecaller.
- Used to take care delinquent Elite profile customers through collection skill & communication.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Participated in staff meetings to discuss innovative strategies to improve services.
Debt Collector
Indigo Paints Ltd
03.2013 - 03.2014
- Used to handle delinquent portfolio of retailers of North Bengal & Assam.
- Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutio
- Provided excellent customer service during difficult conversations, empathizing with debtors while remaining firm on repayment expectations.
- Collected on delinquent accounts to reduce overdue balances.
- Collaborated with sales departments to verify customer compliance with payment plans.
Agency Manager
Birla Sun Life Insurance Ltd
08.2012 - 03.2013
- Responsible was to collect renewal new premium collection through inhouse team of 3 members in Sikkim, Darjeeling & North Bengal.
- Cross sale was part of Job.
- Increased company's revenue by implementing effective sales strategies and coaching team members on best practices.
Collection Executive
Axis Sales Ltd
05.2009 - 07.2012
- Used to handle delinquent portfolio of Axis Bank of Auto, Home , Personal loans.
- Worked in different Bucket for the time being X to Wo with volume.
- Maintained accurate records of all collection activities, ensuring compliance with company policies and industry regulations.
- Worked in entire North Bengal including Hills(Darjeeling & Gangtok).
Education
Higher Secondary Education -
Margaret Sister Nivedita English School
SiliguriSecondary Education -
Sri Guru Vidya Mandir High School
SiliguriBBA - Banking And Finance
Jaipur National University
SiliguriSkills
Debt recovery expertise
Goal oriented
Portfolio analysis
Technical aptitude
Credit risk management
Patience and persistence
Teamwork and collaboration
Customer service
Problem-solving abilities
Multitasking Abilities
Professional ethics
Decision-making
Analytical and critical thinking
Timeline
Regional Collection Manager
Poonawalla Fincorp Ltd
08.2023 - Current
Divisional Manager
Mahindra & Mahindra Financial Services Ltd
05.2023 - 08.2023
Collection Manager
Toyota Financial Services Ltd
03.2016 - 05.2023
Recovery Officer
Dalmia Bharat Cement Ltd
07.2015 - 01.2016
Relationship Manager
Matrimony.com Ltd
03.2014 - 04.2015
Debt Collector
Indigo Paints Ltd
03.2013 - 03.2014
Agency Manager
Birla Sun Life Insurance Ltd
08.2012 - 03.2013
Collection Executive
Axis Sales Ltd
05.2009 - 07.2012
Higher Secondary Education -
Margaret Sister Nivedita English School
Secondary Education -
Sri Guru Vidya Mandir High School
BBA - Banking And Finance
Jaipur National University