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Adnan S. Ahmed
Portfolio and Delinquency Management Executive
Summary
- Experienced Zonal Manager with in-depth knowledge of collections procedures, payment plans, and regulatory compliance.
- Demonstrating a strong financial acumen, effectively overseeing corporate-hired collections and debt acquisition operations.
- Utilizing tact in customer persuasion and empathy.
- Providing guidance to employees during stressful and confrontational interactions with the public as a supportive and emotionally aware team member.
Overview
22
22
years of professional experience
Work History
Zonal Collections Manager - Unsecured Loans
HDFC Bank Limited
3 2006 - Current
- Hired at East as State Head, promoted to Area Manager and subsequently, Regional Head of East India (covering 7 states)
- Topped Country for both Regions in terms of Delinquency Parameters
- Encourage optimum utilization of both Internal and External Human Capital
- Work closely with other functions to identify their needs and challenges and provide solutions-oriented campaign themes and timelines
- Utilize all available strengths within the Collection operation like Legal Tool and Network to create a strong frame to comply with the Legal Norms and Assist the Collection Operation
- Training of Field Executives (DRA) to an extent of 90% plus to comply to the RBI Directive
- Establish strong mechanism to ensure compliance to RBI and the Ombudsman Complaints directive.
Area Manager - Commercial and Passenger Vehicle
Tata Motors Limited
10.2004 - 03.2006
- Exposure to manage a State Level Responsibility
- Led a staff of 6, excluding a vast network of independent agents and Repossession Specialists
- Interaction with Reputed and Prime Rank Company Associates
- Explore the State intensively across the period
- Utilize Legal options for enabling Collections and Repossession of Asset.
Collection Manager - Home Loans
ICICI Bank Limited
01.2003 - 09.2004
- Managed NPA accounts for Calcutta, Durgapur and Siliguri
- Created the 1st Team on Internal Collection Executives to cover the entire breadth of Calcutta
- Successful Hiring, Training and Market Deployment of the Team
- Utilize Legal options for enabling Collections and Repossession of Assets
- Credited with the Distinction of initiating and organizing the first Lok Adalat in Calcutta for ICICI Bank
- Penetration of the market and portfolio generated vast knowledge and led to the busting of nexus between Valuers and Sales Personnel leading to fraud loan distribution, resulting in the possible saving of crores for the Bank.
Education
Bachelors of Commerce -
1998
Skills
Portfolio Planning and Distribution
Application of Big Data and Bureau insights
Manpower Hiring
Training and Developing People
Vendor Distribution
Competitive/Strategic Planning
Budgeting/ Forecasting
Legal Coverage & Compliance
Analytical Reasoning
Prior Associations
Beyond the above cited 3 associations, have had the honor of working and learning at organizations like GE Countrywide , GE Capital Services , Citicorp Credit Services (E Serve ) and Titan Industries Limited in a variety of roles.
Accomplishments
- Variety of Products, Geographies and Capabilities across Indian Markets
- Managing Large and Medium Sized portfolios of different products
- Experienced with all products available in the Retail Asset Finance Industry, including, Unsecured Loans, Commercial Vehicle Loans, Housing Loans, Auto Loans, Credit Cards, TW Loans, Education Loans and Gold Loans
- Designing Creative and Functional Processes to streamline and standardize functions and activities
- Hiring, Training and Motivating staff to peak performance levels
- Proven record of initiative and success in Vendor Management, Legal Initiation and Compliance Norms
Locations
- New Delhi
- Kolkata
Career Achievements
- Delinquency Management - Reported the Country best numbers for both East and North in HDFC Bank
- Manpower and Team Distribution - Recognized for the Efficient Planning and Distribution of Manpower and Vendor across the Region
- Career Planning - Quickly accelerated through the ranks based on proven campaign management, team leadership, strategic planning and new development skills
Education
Bachelor of Commerce (Honors), Calcutta University, 1998
Personal Information
- Father's Name: Mr. Kamaluddin Ahmed, Retired Banker, Allahabad Bank.
- Date of Birth: 09/13/76
- Nationality: Indian
- Marital Status: Married since 1995
Interests
Timeline
Area Manager - Commercial and Passenger Vehicle - Tata Motors Limited
10.2004 - 03.2006
Collection Manager - Home Loans - ICICI Bank Limited
01.2003 - 09.2004
Zonal Collections Manager - Unsecured Loans - HDFC Bank Limited
3 2006 - Current
Calcutta University - Bachelors of Commerce,