Amar Gupte
Debt Management
"Hemakshi" B-2, Abhinandan Bunglow, Opp Hariom Villa, Aarohi Club Road, Bopal, Ahmedabad
Summary
Accomplished financial executive with a proven track record at Yes Bank, adept in strategic leadership and risk management. Spearheaded initiatives that significantly enhanced operational efficiency and portfolio quality, leveraging skills in process improvements and resource management. Excelled in fostering client relationships and mentoring teams, driving remarkable recovery rates and operational excellence.
Overview
31
31
years of professional experience
Work History
Sr. VP & Zonal Collection Manager
Yes Bank
Ahmedabad, India
06.2019 - Current
- Handling delinquent portfolio of 1500 cr plus for assigned pool.
- Drive high-performing, motivated team by working closely with the team members, offering mentoring, and leading by example to keep control on portfolio, delivering constant performance on various parameters like NCL, GNPA, X days, and Flow buckets.
- Maintaining excellent relations with key clients, the business team, the product team, and the credit team helps to resolve cases, as resolution depends a lot on timely liaising with peers.
- Ensuring a healthy and quality portfolio is maintained, be on the lookout for signs of stress in client operations/activity and address them.
- Briefing, Sr. Management tracks delinquency trends by market through agency and market survey feedback to sustain region within triggers.
- Negotiation with serious delinquent account holders and obtain resolution through collection, settlement, or repayment, thereby minimizing future losses and contributing to P&L by recovering from defaulting customers.
- Improving recovery by using available legal tools effectively, ensuring maximum recovery at minimizing cost.
- Responsible for handling cases > 1cr personally in own allocation and getting them closed through amicable solution.
- Maintained accurate records of all collection activities, providing transparency to stakeholders and senior management.
Zonal Collection Manager
Religare Finvest
Ahmedabad, India
09.2017 - 05.2019
- Handling a large in-house team for soft and hard bucket, including recoveries for all verticals.
- Handling Gujarat, an MPCG delinquent portfolio of 650 cr plus for both LAP and SME Unsecured.
- Leading legal vertical for assigned region and to monitor end-to-end process, including collection audit.
- Liaising with ARC company for disposal of NPA accounts.
- Responsible person for handling cases > 10cr personally in own allocation and getting them closed through amicable solution.
- Negotiated settlements with customers experiencing financial difficulty, preventing potential litigation costs and preserving client relationships.
AVP - Location Head
Shriram City Union Finance
Indore, India
01.2015 - 08.2018
- Team leadership – build a high-performing, motivated team by working closely with the team members, offering mentoring, and leading by example.
- Drive Collection team and keep control of the portfolio of the State.
- Responsible for the growth of the portfolio, with no compromise on credit and collection policies.
- Maintaining excellent relations with key clients/business groups to generate referrals, as well as build avenues for additional business.
- Ensuring a healthy portfolio to be maintained.
- Ensuring the quality of the portfolio, be on the lookout for signs of stress in the client operations/activity, and address them.
- Developed collection and legal vertical across MPCG and Gujarat.
- Framed policy for collection and building up of team for collection, which includes managers, officers, and advocates for legal channel.
State Business Head
Vistaar Finance Ltd.
Ahmedabad, India
08.2013 - 12.2014
- Set and monitored annual budgets for departments and entire business.
- Enhanced customer satisfaction with timely response to issues and proactive problem-solving measures.
- Built and strengthened relationships with industry partners to drive growth.
- Developed and implemented successful strategies for building company sales.
- Handled additional responsibilities of setting up the collection vertical, including framing manual processes and policy bases out of Bangalore for 6 months.
- After Go Live of 17 branches across MPCG and Gujarat, additional responsibility of developing collection and legal structure was given, which was completed in stipulated time frame as per requirement.
Asst. Vice President
HDFC Bank
Ahmedabad, India
01.2007 - 07.2013
- Established a high-performance culture within the team by setting clear expectations and providing regular feedback on individual performance contributions.
- Optimized resource allocation by analyzing operational needs, reallocating resources as needed to maximize efficiency across all functions.
- Fostered strong relationships with key clients, leading to repeat business and a significant increase in customer satisfaction ratings.
- Delivering constant performance on various parameters like NCL, GNPA, X days, and Flow bkts.
- Implementation and Evaluation of strategies across region.
- Created robust recovery collections infrastructure across zone.
- Steered diverse responsibilities, including planning and achieving targets, compliance, systems implementation, training, people management, and vendor management across locations.
- Effective controlling delinquencies and NCL (Recoveries for West 2).
- Performance Analysis - Portfolio appraisal.
- Monitor Settlement Money Collection & Cap impact across portfolio in line with set targets (Monthly initiative).
- Agency Management & Strategies to augment performance.
- All banks' processes need to be adhered to in totality in unit performance. Some of the key process initiatives are listed, but this is not an all-inclusive listing.
Manager Collection Banking Product
ABN AMRO Bank N.V
Pune, India
05.2003 - 12.2006
- Accomplished multiple tasks within established timeframes.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
Sr. Executive Collection, Recoveries & Legal
E Serve International Ltd. (CCSIL) ELC
Ahmedabad, India
08.2001 - 04.2003
- Implemented comprehensive risk management strategies to protect the organization from unforeseen financial pitfalls.
Officer Sales & Marketing
Tata Finance Ltd.
Ahmedabad, India
03.2000 - 07.2001
- Improved department efficiency by streamlining and implementing policies and processes.
- Implemented process improvements that streamlined workflows, reducing redundancies and increasing operational efficiency.
Officer Sales FPD Division
Dabur India Ltd.
Surat, India
09.1997 - 03.2000
- Increased new business sales by developing and implementing effective sales strategies.
- Increased sales revenue by implementing effective sales strategies and maintaining strong client relationships.
- Led a team of sales associates to consistently surpass monthly sales goals.
Commercial Assistant /Administrative Officer
Anagram Finance
Ahmedabad, India
12.1993 - 08.1997
- Updated reports, managed accounts, and generated reports for company database.
- Improved communication within the organization through regular updates on policies, procedures, and key events.
Education
DCA - Computer Application
Rollwala Computer Centre, Gujarat University
Ahmedabad 04.2001 -
Bachelor of Commerce - Accountancy
Gujarat University
Ahmedabad 04.2001 -
Skills
Strategic leadership
Strategic plans
Process Improvements & Implementation
Risk Management
Audit and Compliance
Training & Development
Resource Management
Languages
English
Hindi
Marathi
Gujarati
Hobbies
- Have represented Gujarat State in cricket in under 15, under 19 during my school and university days.
- I am passionate about my wild life photography, since three years my clicks are getting selected in corporate photograph contest of Sony
- I am a biker and do long distance adventure bike ride. I Have completed Spiti Circuit, Leh Ladakh, Kerala, Rajasthan, Gujarat on my adventure bike Royal Enfield Himalayan 410.
Timeline
Sr. VP & Zonal Collection Manager
Yes Bank
06.2019 - Current
Zonal Collection Manager
Religare Finvest
09.2017 - 05.2019
AVP - Location Head
Shriram City Union Finance
01.2015 - 08.2018
State Business Head
Vistaar Finance Ltd.
08.2013 - 12.2014
Asst. Vice President
HDFC Bank
01.2007 - 07.2013
Manager Collection Banking Product
ABN AMRO Bank N.V
05.2003 - 12.2006
Sr. Executive Collection, Recoveries & Legal
E Serve International Ltd. (CCSIL) ELC
08.2001 - 04.2003
DCA - Computer Application
Rollwala Computer Centre, Gujarat University
04.2001 -
Bachelor of Commerce - Accountancy
Gujarat University
04.2001 -
Officer Sales & Marketing
Tata Finance Ltd.
03.2000 - 07.2001
Officer Sales FPD Division
Dabur India Ltd.
09.1997 - 03.2000
Commercial Assistant /Administrative Officer
Anagram Finance
12.1993 - 08.1997