Avinash Kumar
Lucknow
Summary
An adept, Passionate, result oriented professional with 23+ years of experience in the field of Sales and Collection. Currently working as a Chief Manager – Disposal (Home/Wheels )in ICICI Bank Ltd. Proficient in Sarfeasi process and auction process , training / nurturing members/ managing the team, Organization Capability, Managing change, Bringing in new ideas, creating a new bench mark for standards, strategic agility, Visualizing future profitability of a process, distinct vision of achieving goals, sensitivity towards new opportunity, Negotiation & Orientation skills for increasing opportunities of business and formulating new ideas , adaptable to any new technology or Software that comes in and following compliance with due diligence.
Overview
23
23
years of professional experience
Work History
Chief Manager-Disposal-Home/Wheels (UP & UK)
ICICI Bank Ltd.
Lucknow
04.2013 - Current
- Handling entire auction process of Home Loan under Sarfaesi Act and Wheels online/offline auctions
Meeting with the legal team / lawyers and discuss the cases that are pending against the vehicle and following up with them for sale permission from court
Attending court proceedings along with the lawyer for updated follow up on each case.
Handling PAN India projects like Transfer of Assets , Loss on Sale etc.
Handling customer escalations due to non-tax payment issues.
Managing issues with Regional transport offices due to non-transfer/ non tax payment issues.
Management of Yard and regular visit for better internal ratings.
Coordinating with Vendors such as Nexxen, CarDekho, Car trade and Samil auction vendors for smooth functioning of sale process.
Introduced online auction in Home Loans-UP & UK.
System entries of Sale process in caps/ cmi modules.
Managing all the details of the vendors related to KYC.
Meeting with customers and convincing for an amicable settlement in case where customer has filed a case against the bank.
Handling lots of Central activities like transfer status,RBI reporting data, Audit of Disposal department etc.
Software management FCRM, CMI, CAPS, REVELUES, ILOANS.ETC
Area Debt Manager (Home Loans- 0-180 DPD)
ICICI Bank Ltd.
04.2008 - 03.2013
- Daily MIS maintenance
Agency Management
Escalation / fcrm Management
Caps Allocation / Trail uploads
Sarfaesi Module
Controlling and Managing the flow rates and NPA by initiating Field / Legal initiatives.
Distribution Management
Hiring, retention, managing, Training, mentoring and monitoring the performance of the team and thereby formulating strategies to get work done without any flaw.
Handling and resolving the grievances of Walk-in customer and handling Customer Escalations.
Managing MIS and KPI as a Performance Indicator.
Cost Analysis with respect to debtors so as to optimise the payout, Cost of collection and Revenue generation.
Risk containment, Fraud detection and Skip Management.
Establishing Agency Network and coordinating with them.
Software Worked On: CAPS / CMI / SARFAESI MODULE/IVIEW/ILOANS/FCRM
Collection Manager (Recovery, Skip & Fraud -All Products)
ICICI Bank Ltd.
09.2006 - 03.2008
- Controlling and Managing the flow rates and NPA by initiating Field / Legal initiatives.
Traced skip customers through skip agencies
Traced fraud cases and initiate legal
Controlling and Managing the flow rates and NPA by initiating Field / Legal initiatives.
Initiated Sarfaesi in Home loan casesControlling and Managing the flow rates and NPA by initiating Field / Legal initiatives.
Traced skip customers through skip agencies
Traced fraud cases and initiate legal
Controlling and Managing the flow rates and NPA by initiating Field / Legal initiatives.
Initiated Sarfaesi in Home loan cases
Territory Manager
India Prepaid Services (P) Ltd
07.2006 - 09.2006
- Appoint Retail Management Unit ( RMU)
Handling the sales force ( SO & SR ‘s)
Enter new market (city wise) and launched products effectively
Hiring, retention, managing, Training, mentoring and monitoring the performance of the team and thereby formulating strategies to get work done without any flawAppoint Retail Management Unit ( RMU)
Handling the sales force ( SO & SR ‘s)
Enter new market (city wise) and launched products effectively
Hiring, retention, managing, Training, mentoring and monitoring the performance of the team and thereby formulating strategies to get work done without any flaw
Area Sales Manager
Royal Aahaar (I) Limited
07.2001 - 07.2006
- Appoint Super Distributors & distributors
Handling the sales force ( SO & SR ‘s)
Maintain good relations with Super distributors, distributors & retailers and increase sale
Enter new market (city wise) and launched products effectively
Hiring, retention, managing, Training, mentoring and monitoring the performance of the team and thereby formulating strategies to get work done without any flaw.Appoint Super Distributors & distributors
Handling the sales force ( SO & SR ‘s)
Maintain good relations with Super distributors, distributors & retailers and increase sale
Enter new market (city wise) and launched products effectively
Hiring, retention, managing, Training, mentoring and monitoring the performance of the team and thereby formulating strategies to get work done without any flaw.
Education
MBA - MARKTING AND HR
IMS
Noida, UP01-2001
Bachelor of Arts -
ALLAHABAD UNIVERSITY
ALLAHABAD06-1997
Skills
- Ability to handle/manage people skillfully
- Driving towards achieving the Goal
- Self-starter
- Self-motivated
- Out of the Box Service Focused thinker
- Creating and sustaining a dynamic environment
- Development opportunities
- Motivates high performance amongst team members
- Highly numerate
- Analytical
- Proficient in complex financial modeling applications
- Good communication
- Presentation
- Problem solving
- Competent in handling Customer grievances
- Resolving issues
- Maintaining rapport relation with customers
- Achieving repeat/referral business
- Advance user of Software like Finnacle Customer Relationship management (FCRM)
- I-view
- I-core
- Finnone-collections
- Adaptable to any new technology
Educationqualification
- MBA in Marketing & HR from IMS, Noida – (1999-2001)
- Diploma in Business Administration with Computer Application from U.N.I.M.A.C.T., Allahabad.
- B.A. from Allahabad University -1997
Socialattainments
- A member in NGO “Helping Hands” working for poor children education.
- Helping orphanages and facilitating in getting them Aids through people.
- Member of Parvarish for education and training to Special Children
- A regular blood donor
Personal Information
- Date of Birth: 05/22/1977
- Marital Status: Married
Languages
- English (Read/ Write/ converse)
- Hindi (Read/ Write/ converse)
References
If required
Disclaimer
I hereby declare that all the information furnished above is true to the best of my knowledge and belief.
Timeline
Chief Manager-Disposal-Home/Wheels (UP & UK)
ICICI Bank Ltd.
04.2013 - Current
Area Debt Manager (Home Loans- 0-180 DPD)
ICICI Bank Ltd.
04.2008 - 03.2013
Collection Manager (Recovery, Skip & Fraud -All Products)
ICICI Bank Ltd.
09.2006 - 03.2008
Territory Manager
India Prepaid Services (P) Ltd
07.2006 - 09.2006
Area Sales Manager
Royal Aahaar (I) Limited
07.2001 - 07.2006
MBA - MARKTING AND HR
IMS
Bachelor of Arts -
ALLAHABAD UNIVERSITY
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