Chandan Kumar Giri
Nallasopara Mumbai
Summary
Experienced as Collection Manager with over 10 years of expertise in overseeing and optimizing collection processes for financial institutions. Demonstrated success in leading high-performing teams, implementing effective debt recovery strategies, and ensuring compliance with industry regulations. Strong analytical skills combined with excellent communication and negotiation abilities, resulting in improved collection rates and reduced delinquency and committed to maintaining customer relationships while achieving company objectives.
Overview
11
11
years of professional experience
Work History
Area Manager-Collection
Suryoday Small Finance Bank
MUMBAI SUBURBAN
07.2023 - Current
- Managing five branches, five collection mangers directly reported to me, and approximately 50 field collection executives who visit customers' homes for collections.
- Tracking productivity at the desired level in all branches under me, and ensuring that branches manage daily operations to achieve collection goals.
- Supervise and guide the team to maximize collection efficiency, and perform market research to study consumer behavior, latest trends, and competitor activity.
- Taking care all the branches collect the outstanding amount on or before the due date and Ensure that all the center meetings will be closed with 100 percent collection
- Ensuring team interacts with customers in a courteous and professional manner and provide prompt and quality service to the customers and track to branch staff delivers timely and quality services to customers
- Organize regular meetings with management to discuss about collection updates, issues and opportunities
- All the branch employees are trained according to the training schedule from time to time, and the branches are adequately staffed according to the approved manpower plan for the smooth functioning of the branch.
- Reduce the attrition rate of the assign branches.
Jana Center Head-Collection
Jana Small Finance Bank
MUMBAI SUBURBAN
05.2020 - 01.2023
- Managing Four Area collection Managers, and approximately 20 Field Collection Executives who visit customers' homes for collection purposes and others.
- Tracked all deposits, approved client loans, and line of credit requests.
- Established production goals and motivated staff to reach and exceed such goals.
- Provided client support as needed, and worked to resolve customers' matters.
- Ensured confidentiality with all banking transactions.
- Oversaw daily operations and addressed any staffing issues.
- Approved loan applications and financing requests.
- Trained and supervised new hires.
- Analyzed market trends and used data to set office goals.
- Prepared staff schedules on a daily basis and a monthly basis.
Agency Manager (Team Lead)
Paytm Payment Bank
07.2019 - 05.2020
- Managing 4 team leaders and approximately 80 field executives who visit customers' homes for KYC purposes.
- Perform an independent check of the KYC information provided by the front office.
- A very proactive approach to process improvement actively seeks opportunities for change that benefit the wider team.
- Contributing ideas and participating in efforts to further improve and streamline the process.
- Perform periodic KYC reviews on a risk-based schedule.
- Liaison with the Compliance Department and the senior management within business units supported.
- End-to-end management of the client KYC process, including liaison across the business, compliance, and operations.
- I was handling the Central Line and Harbour Line of the Mumbai location.
Area Manager-Collection
Jana Small Finance Bank
MUMBAI SUBURBAN
06.2016 - 07.2019
- Business loan, individual loan, and group loan are mainly the products handling collection and business.
- Managing a team of 13 employees in the areas of sales, operations, collections, and RPO.
- Territory Management and Customer Behavior Analysis.
- Controlling the microloan segment product and BTL activities in the branch.
- Trend analysis and planning for the entire quarter through SFDC.
- Follow up with CNROs for their overdue accounts, while ensuring that internal and external guidelines are maintained at all times.
- Improve recovery rates on the write-off of the portfolio.
- Collection discipline, proper receipting, audit ratings.
- To reconcile payments and ensure the timely deposit of cash payments in the system.
- Responsible for managing difficult customers, and reducing NPA.
- Escalate problematic cases, and the initiation of legal actions were warranted with the support of the legal team.
- To support the business on data quality management, i.e.
- Improving the quality of customer information available through timely feedback.
Asst Business Development Manager
WU Money Transfer (Paul Merchants Ltd)
Andheri
10.2015 - 06.2016
- Handling Retailers.
- Developing the business of remittance and utilities.
- Appointing the new retail outlets for business growth.
- Solving the issues of retailers or merchants.
- Software issues solved retailers, or merchants.
Sales Officer
Fino Paytech Ltd
Juinagar
01.2014 - 09.2015
- Team handling, coordination, and reporting of CSEs.
- Managing company-owned stores (branch known as FINOMONEY MART) (retail business and outlets).
- With 24 sales executives and one cash management executive, managing daily cash collection and cash in hand in branches.
- Responsible for achieving the targets and making them profitable for all branches.
- And I am also responsible for the P&L of the company-owned store.
- Making new ideas to grow branches' transactions.
- Also handling the recruitment of new manpower for branch executives.
Education
BE -
RTMNU
01.2013
HSC (12TH) -
BSEB
Patna01.2009
SSC (10TH) -
BSEB
Patna01.2006
Skills
- Financial Analysis and Reporting
- Understanding of collection laws and regulations
- Data Management and Analysis
- Team Leadership and Supervision
- Training and Development
- Goal Setting and Strategic Planning
- Conflict Resolution
- Customer Service Excellence
- Active Listening
- Interpersonal Skills
- Multitasking
- Microsoft Office Suite (eg, Excel, Word, PowerPoint)
Languages
- English
- Hindi
- Bhojpuri
Achievementsandawards
- Best ACM Awards Received in 2019.
- Re-organized something to make it work better.
- Identified a problem and solved it.
- Come up with new idea that improved things.
- Developed or implemented new procedure or system.
Personal Information
- Hobbies: Book Reading, Listening Music, Watching movies.
- Father's Name: Jitendrakumar Giri
- Mother's Name: Urmila Devi
- Birth place: Motihari Bihar
- Date of Birth: 02/20/92
- Nationality: Indian
- Marital Status: Married
Timeline
Area Manager-Collection
Suryoday Small Finance Bank
07.2023 - Current
Jana Center Head-Collection
Jana Small Finance Bank
05.2020 - 01.2023
Agency Manager (Team Lead)
Paytm Payment Bank
07.2019 - 05.2020
Area Manager-Collection
Jana Small Finance Bank
06.2016 - 07.2019
Asst Business Development Manager
WU Money Transfer (Paul Merchants Ltd)
10.2015 - 06.2016
Sales Officer
Fino Paytech Ltd
01.2014 - 09.2015
BE -
RTMNU
HSC (12TH) -
BSEB
SSC (10TH) -
BSEB
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