Amrit Raj Mishra
Lucknow
Summary
Industry Preference: Banking / NBFC
Location Preference: Lucknow / Uttar Pradesh
Professional with solid background in collections management, driving efficiency and results through strategic planning and execution. Adept at negotiating and resolving complex cases, while fostering strong team collaboration and adapting to evolving requirements. Skilled in financial analysis, risk assessment, and customer relationship management. Known for reliability, integrity, and results-driven approach.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Area Collection Manager
Axis Bank
07.2024 - Current
- Managing Agri/Business Loan Collections of Eastern UP
- Handling team of Collection Managers
- Legal execution with coordination of Legal team
- Ensuring timely internal & external audit.
- Managed a diverse team of collectors for optimal performance and increased success rates.
- Provided excellent customer service, resolving disputes promptly and professionally to maintain client satisfaction levels.
- Contributed to overall company strategy discussions regarding revenue generation and cost reduction methods.
- Conducted regular account reviews, ensuring accuracy and compliance with established policies and procedures.
- Evaluated staff development needs through regular performance assessments, offering opportunities for growth within the organization.
- Optimized resource allocation by developing efficient scheduling systems for staff assignments.
Collections Manager
AXIS BANK LTD
05.2018 - 07.2024
- Managing Agri/Business Loan & Tractor Collections of Kanpur Hub and leading Collection Agencies for achieving set targets of the bank as per Collection process of Lucknow Hub for ensuring timely internal & external audit.
- Handling almost 11 districts of UP (Kanpur Fatehpur, Unnao, Mahoba, Lalitpur, Jhansi, Orai , Farrukhabad, Kannuj, Bilhur, Muranipur.
- Filing legal cases under Sec. - 138 and Lokadalt for ensuring fast settlement and recovery of penal charges.
- Filing RC for Agri cases.
- Responsible for maintaining record as per the Statutory Audit Requirement by improving the audit compliance.
- To attend the field referral for customer issue.
- Conducting timely visits at different branches for ensuring smooth operations.
- Handling team of Collection Executives and Collection Agencies
Collection Manager
SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY
12.2015 - 05.2018
- Handling a portfolio on monthly basis for Mortgage in region.
- In distribution Area, successfully covered Locations vis Lucknow, Kanpur, Barielly, Allahabad, Varanasi, Ruddarpur.
- Maintenance of Entire Collection database of the region.
- Responsible for all in house collection.
- Maintaining Regular TAT of all sorts of works.
- Responsible for maintaining record as per the Statutory Audit Requirement by improving the audit compliance.
- To attend the field referral for customer issue.
- Made efforts for increasing the collection level up to 95%
- Ensured no chronic, deviation & skip cases and obtained 96% collection per month
- Controlling & minimizing 'Risk & Flow' of delinquent accounts in Lucknow, Kanpur, Barielly, Allahabad, Varanasi.
- Special focus on high vintage cases and group customers to accelerate collection and recovery.
- Preparing MIS reports (UP & Uttrakhand) to provide feedback to top management on business operations, viz., billing, collection, credit control, profitability, etc.
Tata Business Support services ltd, A Tata enterprises
02.2014 - 12.2015
- Managing collection for HDFC bank on the role of Tata Business Support services.
IndusInd Marketing & Financial Services Pvt. Ltd
09.2013 - 02.2014
- Every month achieved the collection targets in all buckets and Reduce NCL & GCL Pool.
- Review / Monitor / Analyze performance and competitor activities.
- In distribution Area, successfully covered Locations vis Bareilly, Pilibhit, Palia kalan, Badaun, Shahajhapur.
- Managing a delinquent portfolio worth 40 Crs comprising CV, LCV, CE, UCE, UCV, and CERL & HCEL & Micro finance.
- Made efforts for increasing the collection level up to 95%.
- Special focus on high vintage cases and group customers to accelerate collection and recovery.
- Ensured no chronic, deviation & skip cases and obtained 96% collection per month
- Controlling & minimizing 'Risk & Flow' of delinquent accounts in Agra & Spoke location.
- Preparing MIS reports (UP2 & Uttranchal) to provide feedback to top management on business operations, viz., billing, collection, credit control, profitability, etc.
HBL GLOBAL PVT LTD (HDFC BANK LTD)
10.2007 - 09.2013
- Taking care of credit card and merchant acquiring application forms processing as per bank policies of entire Uttar Pradesh & Uttranchal.
- To check & measure risk, false commitments, frauds occurred by Sales.
- To prepare & analyze various quality parameters for branch sales towards growth in business no’s & quality of cases.
- Regular training delivery of Sales about the features, policies of co’s product, process which helps in reducing rejection rate
- Driving various collection contests and training and motivating the entire team.
Education
Graduation -
National PG College
01.2006
Intermediate - undefined
MAV Inter College
01.2003
High School - undefined
BSNV inter College
01.2002
Skills
- Conversant with MS Office, Power point, Windows and Internet Applications
- Debt recovery expertise
- Portfolio management
- Credit risk assessment
Certification
Have completed 100 hrs of D.R.A Training Organized by IIBF ( Indian Institute of Banking & Finance ) & RBI and entitled with certification of Debt Recovery Agent.
Timeline
Area Collection Manager
Axis Bank
07.2024 - Current
Collections Manager
AXIS BANK LTD
05.2018 - 07.2024
Collection Manager
SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY
12.2015 - 05.2018
Tata Business Support services ltd, A Tata enterprises
02.2014 - 12.2015
IndusInd Marketing & Financial Services Pvt. Ltd
09.2013 - 02.2014
HBL GLOBAL PVT LTD (HDFC BANK LTD)
10.2007 - 09.2013
Intermediate - undefined
MAV Inter College
High School - undefined
BSNV inter College
Graduation -
National PG College
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