Aditi Malu
New Town
Summary
Highly competent Debt Manager with background in managing credit portfolios, negotiating debt settlements, and implementing financial recovery strategies. Possess strong analytical skills to assess debtor's financial status and recommend appropriate debt recovery methods. Demonstrated ability in leading teams to exceed goals while building client relationships that ensure financial stability and growth. Made significant impact by driving process improvements and reducing delinquencies in prior roles.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Debt Manager
IDFC FIRST BANK
Kolkata
12.2023 - Current
- Managing Consumer Durable & Personal Loan Portfolio, ensuring to provide solutions to the customers for their banking needs.
- Achieving monthly targets of an average Rs. 15 lakhs of the recovery cases where hardly customers are traceable.
- Managing Vendor relationship, smoothening operations, improving debt collection and monitoring KPIs to optimize collection strategies
Credit Control Manager
Cargo Matters
Gurugram
04.2023 - 11.2023
- Monitoring client accounts to identify potential credit risks, managing the collection of funds rom the clients, providing strategic guidance on how Salesforce can meet their evolving needs
- Preparing and analyzing credit reports for management, which include KPIs related to credit control
- Strategizing with the sales and finance team to optimize cash flow by ensuring timely collections to minimize bad debts
Debt Manager
IDFC First Bank
Kolkata
07.2020 - 01.2023
- Managing Two Wheeler Portfolio, ensuring to provide solutions to the customers for their banking needs
- Managing Vendor relationship, smoothening operations, improving debt collection and monitoring KPIs to optimize collection strategies
- Getting Two Wheelers repossessed through Vendors.
- Speaking to multiple stakeholders and dealers like CredR, Droom,etc to achieve maximum collection value from the repossessed ones.
Summer Intern
SREI Equipment Finance Ltd.
Kolkata
02.2019 - 05.2019
- Industry, Company and Comparative analysis of sources of finances used by the NBFCs
- Understanding the measures of Bank finance to NBFCs and Working Capital.
Education
MBA - Finance
ICFAI Business School (IBS)
Hyderabad03-2020
B.Com (Hons.) - Accounting & Finance
Shri Shikshayatan College
Kolkata04-2017
Skills
- Negotiations Skills
- Presentation Skills
- Data Optimization & Visualization
- Team Leader
- Customer Relationship Management
- Business Analysis & Decision Making
Accomplishments
- In current tenure with IDFC FIRST BANK, awarded three Gold medals for "Performer of the Month" for achieving highest collection across region.
Languages
Hindi
First Language
English
Proficient (C2)
C2
Bengali
Upper Intermediate (B2)
B2
Certification
- NISM- Currency Derivatives.
- NISM- Equity Derivatives.
- International Business Management Institute-Finance & Accounting
Timeline
Debt Manager
IDFC FIRST BANK
12.2023 - Current
Credit Control Manager
Cargo Matters
04.2023 - 11.2023
Debt Manager
IDFC First Bank
07.2020 - 01.2023
Summer Intern
SREI Equipment Finance Ltd.
02.2019 - 05.2019
MBA - Finance
ICFAI Business School (IBS)
B.Com (Hons.) - Accounting & Finance
Shri Shikshayatan College
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