Anurag Mishra
Lucknow
Summary
Results-oriented Regional Manager with 13+ years of experience in managing portfolio collections in CV and Rural assets lending. Proven ability to drive business and collection efficiency while overseeing multiple operational areas. Expertise in CV(Trucks,3W) and Tractor Loans.
Overview
14
14
years of professional experience
Work History
Regional Manager(RCM)
Bajaj Finance Limited-Auto Finance
Lucknow
09.2023 - Current
- Managed a team of 5 Area Collection Managers and 33 Collection Officers in overseeing collections for the Three Wheeler (CV) portfolio in UP East region, collaborating with 72 DMAs (off Role) and empaneled vendors.
- Demonstrated efficient team management to consistently streamline X-6 Bucket collections for optimal performance.
- Steered regular discussions with ACMs/COs regarding the progress of collections and methods to improve them.
- Executed effective implementation of strategic plans, resulting in a significant boost in regional market share.
- Delivered mentorship and coaching services to team members in different areas.
- Expert at recognizing potential risks associated with specific clients and recommending appropriate countermeasures to minimize loss due to bad debts.
- Delivered guidance and training on best practices in accounts receivable management to new team members or other departments within the organization.
- Ensured adherence to legal guidelines pertaining to consumer protection and debt collection.
- Outlined and analyzed regional collections performance in weekly reports for comparison with upper management's set targets.
- Managed and instructed recruits in collection practices, documentation prerequisites, and execution approaches.
Senior Manager (ACM)
AXIS BANK LTD
Guna,Madhya Pradesh
04.2023 - 08.2023
- Supervised collection managers in the territorial region for tractor loans.
- Identified areas of improvement through process analysis and benchmarking data, resulting in significant enhancements.
- Successfully coordinated with internal departments to achieve market share growth by implementing effective collections strategies in districts including Guna, Shivpuri, Ashok Nagar, and Rajgarh.
- Generated progress reports for senior management review in various collections categories.
- Monitored team performance via weekly meetings and individual coaching sessions
- Ensured regular generation of reports highlighting important details like account receivable activity, delinquency patterns, and essential metrics.
- Resolved disputes over payments or charges through handling escalated cases from the Customer Service department.
Senior Manager(ACM )
L & T Financial Services Ltd.
Lucknow U.P
11.2017 - 03.2023
- Implemented strategies to enhance collection efficiency and boost productivity by managing a team of collection officers in the farm equipment sector.
- Achieved growth in tractor loan market share by implementing efficient collections strategies, working closely with sales team and dealers in the assigned territory.
- Effectively managed and supervised a team of more than 15 employees, ensuring adherence to set goals, objectives, and task assignments.
- Analyzed existing collection process and benchmark data to identify areas for improvement.
Regional Product Head
Shriram Transport Finance Co Ltd
Lucknow
01.2011 - 03.2015
- More than 4 years of valuable experience in different roles and responsibilities, as I joined as a management trainee for the organization.
- Handled branch as Assistant. Branch manager, Branch team leader, Asst. Product Manager and Regional Product head in Karnataka (Hubli, Mangalore, Modabidri), and Uttar Pradesh (Varanasi and Lucknow).
- Managed sales and collections in Heavy Commercial vehicles (HCV), Tyre loan, and training on other cross-selling products, and led team handling to manage WCL for the region.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked with cross-functional teams to achieve goals.
- Prioritized and organized tasks to efficiently accomplish service goals.
- Collaborated closely with team members to achieve project objectives and meet deadlines.
Education
Bachelor in Technology (B.Tech-ECE) -
UP Technical University, Lucknow
01.2010
Intermediate Exam (12th) -
National Inter College, Kadipur-Sultanpur
01.2004
High School (10th) -
Janta Inter College, Barwaripur-Sultanpur
01.2002
Skills
- Performance Management
- Commercial Vehicle(3W,HCV/LCV/SCV) collections expertise
- Rural Lending(Farm Equipments) loans portfolio management
- Asset Control
- Customer and vendor relations
- Staff Training and Development
- Vendor Management
- Staff Supervision
- Sales management
- Strategic development
- Strategic Planning
- Territory Management
- Marketing leadership
Maritalstatus
Married
Personal Information
Date of Birth: 05/09/87
Languages
- English, Expert
- Hindi, Expert
- Kannada, Tyro
- Gujarati, Tyro
Professional Expertise
Sound knowledge of Excel and relevent system operations for optimum utilisation in context to collection activities
Timeline
Regional Manager(RCM)
Bajaj Finance Limited-Auto Finance
09.2023 - Current
Senior Manager (ACM)
AXIS BANK LTD
04.2023 - 08.2023
Senior Manager(ACM )
L & T Financial Services Ltd.
11.2017 - 03.2023
Regional Product Head
Shriram Transport Finance Co Ltd
01.2011 - 03.2015
Bachelor in Technology (B.Tech-ECE) -
UP Technical University, Lucknow
Intermediate Exam (12th) -
National Inter College, Kadipur-Sultanpur
High School (10th) -
Janta Inter College, Barwaripur-Sultanpur
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