Anushka Chogale
DOB :6th Dec 1982 // Sai Suman Bldg, Nanbhat Road, Bolinj, Virar West
Summary
Goal-driven Collections Manager reduces delinquencies and mitigate risks. Creating and implementing a strategy to improve the collection of outstanding.Enhanced process taht will help collectors be more effective to track the Skip customers database.
Overview
20
20
years of professional experience
Work History
Cluster Collection Manager
Tata Capital Ltd
Mumbai
03.2024 - Current
- Handling CD /PL/ BL/CV/ AUTO (USED CAR , NEW CAR &UBER) / LOS Multiple write off 900+ Dpd portfolio.
- Managing 60cr Value of Entire Mumbai Allocation, Handling 11 Vendor's and In-house Team.
- Executing Summons, Bw and NBW warrants in area police stations. Help to Serve Pre-EP Notice , execution of Ep filing and Ep attachments.
- Enhanced collection efficiency by implementing effective strategies and streamlining processes. Visited high pos cases on priority and skip tressing through Social Media Platform.
- Reduced delinquency rates through vigilant monitoring and proactive communication with clients.
- Increased recovery rate by consistently meeting and exceeding targets set by management.
- Improved customer relationships through effective negotiation and conflict resolution techniques.
Collection Manager
HDB FINANCIAL SERVICES LTD
Andheri Mumbai
10.2022 - 02.2024
- Handling flows to write off accounts Of CDDPL, and Cross cell PL.
- Monitoring and Managing In-house Team of 30 collection Associate and 6 Vendors.
- Conducting training to new employees on collection methods, documentation requirements and performance strategies.
- Contacting and Visiting High value and Dispute customers to recover past-due payments.
- Skip tressing For shifted customers in write off with vatious social media. Serving Pasaa and demand Notices to 30+ Accounts.
Area Collection Manager
DHANI LOANS AND SERVICES LTD
Mumbai, Maharashtra
07.2017 - 10.2022
- Helped in team communications and information for Strategic meetings co-ordinates office activities, and assigned goal.
- Managed multiple Products, multiple accounts and multiple bucket portfolio of unsecured. Handled Teamsize more than 70 Fos and 4 Managers.
- Drive new ideas, help and work with my Supervisory team to improve and achieve monthly and yearly financial goal.
- Maintain company's policies assigned by managements related to hiring, coaching, providing goal Objective information with other team members
- Handled and Visited to the Problematic key customers from non payer base, resolve queries and negotiate to help in closures and improve collection target.
- Contacted customers to collect outstanding payments via one-time or negotiated installment methods.
- Reviewed, researched and corrected discrepancies and customer concerns.
- Worked with legal resources and recovery teams to manage default issues.
- Served Summons And Warrants in NPA. Prepared and submitted legal documents to initiate court proceedings.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Monitored customer accounts for payment delinquency and initiated collection efforts.
Assistant Manager
INDIABULLS HOUSING FINANCE LTD
Mumbai, Maharashtra
09.2007 - 07.2017
- Managed collection portfolio and keep records of non payer based customers
- Handled and trained field officers and Tele-calling team management to do best collection numbers in write off cases
- Planned and set up new collection strategies to develop new ideas to do highest monthly targets
- Tressed skip data of non payers from their Cibil history and social sites to improve collection targets
- Handled walk in customers and queries, negotiate closures in write off cases.
- Conducted investigations of customer accounts and payment histories as well posted legal notices in skip database
- Researched accounts and completed due diligence to resolve collection problems.
- Monitored cash intake and deposit records, increasing accuracy and reducing discrepancies.
- Conducted weekly staff meetings to motivate staff members, address concerns and questions, plan improvements, and evaluate progress toward goals.
Team Leader
HallMark Financial Services Ltd
Mumbai
01.2005 - 07.2007
- Handled 'GE COUNTRYWIDE' PL/TW Flows portfolio.
- Managed Executive Team of Western , Central Harbour Telecalling Team and Backend work.
- Achieved Allocated Target By Bankers.
Education
Asoc - Morse Code
National Institute of Amateur Radio
Mumbai, Maharashtra2020
Bachelor of Commerce - BANKING AND FINANCE
Chetana College _YCMOU Distance
Bandra Mumbai05.2006
H.S.C - Science Education
Bhavani Jr .College Of Science
Satara, Maharashtra02.2001
Skills
- Payment collection and processing
- Feedback collection
- Effective Handling in Sales force and Finn One
- Debt collection procedures
- Identify area's of weakness, recommending Solutions
- Excellent Customer service
- Prioritizing and Planning
- Problem Identification
- Problem Investigations
- Negotiation and Resolution
Accomplishments
- Received "Certificate of excellence" and excellent Award for Consistent and excellent performance In Dhani Loans and Services ltd.
Languages
English
Intermediate (B1)
Marathi
Advanced (C1)
Hindi
Advanced (C1)
Additional Information
- Disaster management Course through Aniruddha's Academy of disaster management in 2003
Timeline
Cluster Collection Manager
Tata Capital Ltd
03.2024 - Current
Collection Manager
HDB FINANCIAL SERVICES LTD
10.2022 - 02.2024
Area Collection Manager
DHANI LOANS AND SERVICES LTD
07.2017 - 10.2022
Assistant Manager
INDIABULLS HOUSING FINANCE LTD
09.2007 - 07.2017
Team Leader
HallMark Financial Services Ltd
01.2005 - 07.2007
Asoc - Morse Code
National Institute of Amateur Radio
Bachelor of Commerce - BANKING AND FINANCE
Chetana College _YCMOU Distance
H.S.C - Science Education
Bhavani Jr .College Of Science