Summary
Overview
Work History
Education
Skills
Languages
Training
Personal Information
Notable Accomplishments
Affiliations
Timeline
Generic
BIREN DAVE

BIREN DAVE

Banking and Finance
Vadodara,GJ

Summary

Enriched experience in Collection Management, Portfolio Management, and Client Relationship Management, targeting a senior-level position with an organization of repute, preferably in Vadodara and Ahmedabad.

A versatile professional with over 30 years of working experience in multiple domains, such as Debt Management, Sales and Marketing, and Retail Outlet. Currently associated with Jio Financial Services Limited as a Zonal Collections Manager, handling all products. Proficient in setting up operations from scratch, and in turning around the capabilities of operations in rapidly changing environments. Highly skilled in managing the complete process of collections, including locating and notifying customers of delinquent accounts, receiving payment, posting the amount to the customer's account, preparing statements for the credit department, initiating repossession proceedings, and keeping records of collections and the status of accounts. In-depth knowledge of modules like Mergers and Acquisitions, Corporate Finance, Ethical Environment of Business, Debt Market, Financial Modeling, World Economy, and Advanced Financial Decisions. Knowledge and understanding of performing an analytical review of financial operations of the process and interpreting financial data for determining past financial performance and projecting the financial probability of the process. Expertise in monitoring existing revenue streams and implementing corrective measures to mitigate them. Significant exposure in streamlining and improving existing systems, processes, envisioning new methodologies, future trends, and driving development, direction, and accomplishment. Showcased capability in supporting and sustaining a positive work environment that fosters team performance, with strong communication and negotiation skills.

Overview

30
30
years of professional experience

Work History

Zonal Collection Manager

Jio Financial Services Limited
Vadodara
11.2023 - Current
  • Negotiated contracts with vendors providing services related to collections management.
  • Assisted in the development of budgets for collection-related projects.
  • Utilized skip tracing techniques to locate hard-to-find debtors.
  • Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
  • Recommended new financial and accounting software packages. replacing various non-integrated offerings.
  • Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
  • Analyzed competitors and market trends to facilitate business growth.
  • Developed invoicing systems and internal controls to boost billing efficiencies.

Regional Collection Manager & Vice President

Yes Bank Ltd.
Vadodara
05.2018 - 11.2023
  • Managed debt services for mortgage portfolio across Gujarat State with coordination from Area Collection Manager and 45 field executives.
  • Rendered servicing for affordable home loans, property loans, and mortgage loans while controlling NPA and PNPA levels.
  • Coordinated with Business and Credit Teams to revise product strategies based on market segments.
  • Filed and monitored legal cases, including U/S 138 and Civil Suit, ensuring timely resolution.
  • Executed property possession through symbolic/physical methods and managed auctions for asset disposal.
  • Developed strategic loan restructuring solutions for delinquent customers to mitigate risks.
  • Implemented innovative digital channels for online collections, enhancing efficiency in payment recovery.
  • Analyzed clients' portfolio performance, delivering advisory services to increase ROI and retention rates.
  • Coordinated with internal departments to ensure timely resolution of customer inquiries or complaints related to billing or collections.
  • Researched customer disputes and resolved issues with customers regarding the payment of overdues.
  • Managed relationships with external legal counsel when necessary for dispute resolution or litigation purposes.
  • Ensured compliance with applicable laws related to consumer protection and fair debt collection practices.
  • Recognized potential risks associated with certain customers and recommended appropriate action plans to mitigate losses due to bad debt.
  • Oversaw and trained new employees on collection methods, documentation requirements and performance strategies.
  • Maintained relationships with key stakeholders by attending meetings and responding promptly to inquiries or requests for information.
  • Spearheaded efforts to enhance customer service processes while maintaining quality assurance standards.
  • Oversaw technological improvements, successfully reducing waste and eliminating business bottlenecks.
  • Fostered collaboration and development of new practices by business leaders.

Regional Debt Manager

ICICI Bank Ltd.
06.2006 - 05.2018
  • Managed Debt Services portfolio for Gujarat, collaborating with 3 Area Debt Managers and 7 Debt Managers.
  • Oversaw servicing of Farm Equipment and Farmer Finance products, controlling NPA and PNPA across Gujarat.
  • Coordinated with SHG groups and NGOs to maintain relations with district authorities for collection processes.
  • Updated market data, crop conditions, and government MSP rates for informed decision-making.
  • Filed and monitored legal cases under U/S 138, ensuring timely resolution and closure.
  • Achieved CASA and Cross Sell targets while maintaining A+ branch audit scores.
  • Monitored delinquent accounts, established payment terms, and managed vendor relationships effectively.
  • Trained employees and vendors to enhance performance, ensuring strong partnerships for market penetration.

Retail Outlet Manager

Reliance Industries Ltd.
Nadiad
04.2004 - 06.2006
  • Administered operations across 2 retail outlets and 5 farm field outlets in Reliance Petro Marketing Division.
  • Successfully established five new farm field outlets in Central Gujarat Territory.
  • Conducted internal audits at Vadodara Territory retail outlets to promote operational efficiency and minimize losses.
  • Achieved highest sales figures in 2 regions of the territory, developing top-selling FFOs in Kheda and Vadodara districts.
  • Recruited, trained and managed staff members to meet company objectives.
  • Ensured that all displays were attractive, well-maintained and inviting for customers.
  • Established relationships with local businesses in order to increase visibility.
  • Planned, coordinated and supervised daily operations of the store.
  • Adhered to operational policies and procedures set by management team.
  • Improved profit margins by effectively managing expenses, budget, and overhead, increasing closings and optimizing product turns.

Sr. Marketing Executive

Plus Business Machines Limited
Ahmedabad
12.2003 - 03.2004
  • Achieved highest sales of Projectors at National Level

Sr. Marketing Executive

Marktec Corporation
Ahmedabad
12.2002 - 11.2003
  • Achieved highest sale of Canon Fax Machines in Police Department
  • Received prize for executing innovative campaigns for new Riso Product Launch

Sales Executive

Kores India Ltd.
Ahmedabad
01.2001 - 11.2002
  • Achieved highest sales of Riso in Gandhinagar

Sales Executive

Phil Systems Ltd.
Ahmedabad
01.1997 - 12.2000
  • Achieved highest sale of Polaroid Films in North Gujarat Territory
  • Awarded prize for arranging highest seminars in the financial year 1999-00

Office Assistant

Coats Viyella India Ltd.
Ahmedabad
09.1995 - 12.1996
  • Executed accurate and efficient data entry tasks across various computer systems.
  • Delivered administrative support to multiple departments as required.
  • Addressed customer inquiries and resolved issues promptly to enhance satisfaction.

Education

Bachelor of Commerce - Financial Accounting

Gujarat University
Dakor
03-1995

12th - GHSEB

The Jubilee Institute
Umreth
03-1992

10th - GSEB

St. Xavier’s High School
Umreth
03-1990

Skills

  • Financial operations oversight
  • Risk management
  • Regulatory compliance
  • Debt resolution
  • Operational efficiency
  • Change management leadership
  • Skip tracing
  • Credit analysis
  • Legal compliance
  • Customer relationship management
  • Collections management
  • Digital collections strategies
  • Loan restructuring

Languages

  • English
  • Hindi
  • Gujarat

Training

National Institute of Sales, Sales, 15 Days

Personal Information

Date of Birth: 06/08/75

Notable Accomplishments

  • Best Team Member Award in Coats Viyella India Ltd.
  • National Level Best Performance Awards in ICICI Bank Ltd.
  • Star Performer Award in Plus Business Machines Limited
  • Bagged E-Compliance Certificate
  • Nominated as Trainer for disseminating new modules launched by the Bank at National Level
  • Resolved filed cases under Local Recovery Act RRC for the 1st time in the history of Gujarat RIBG Collections
  • Grew the portfolio from 558 to 1032 million with only 1% Delinquency
  • Successfully achieved 126% of the assigned target every month

Affiliations

  • Badminton player
  • Flute player
  • Music and nature lover

Timeline

Zonal Collection Manager

Jio Financial Services Limited
11.2023 - Current

Regional Collection Manager & Vice President

Yes Bank Ltd.
05.2018 - 11.2023

Regional Debt Manager

ICICI Bank Ltd.
06.2006 - 05.2018

Retail Outlet Manager

Reliance Industries Ltd.
04.2004 - 06.2006

Sr. Marketing Executive

Plus Business Machines Limited
12.2003 - 03.2004

Sr. Marketing Executive

Marktec Corporation
12.2002 - 11.2003

Sales Executive

Kores India Ltd.
01.2001 - 11.2002

Sales Executive

Phil Systems Ltd.
01.1997 - 12.2000

Office Assistant

Coats Viyella India Ltd.
09.1995 - 12.1996

Bachelor of Commerce - Financial Accounting

Gujarat University

12th - GHSEB

The Jubilee Institute

10th - GSEB

St. Xavier’s High School
BIREN DAVEBanking and Finance