Chandan Singh
202 Harishankar Puram
Summary
Results-driven Area Collection Manager known for high productivity and efficient task completion. Possess specialized skills in debt recovery strategies, customer negotiation, and financial analysis. Excel in communication, leadership, and problem-solving to drive team performance and achieve collection targets. Seasoned Area Collection Manager with background in overseeing successful collection operations. Skilled in strategizing and implementing effective collection initiatives, ensuring compliance with legal guidelines, and managing high-performing teams. Known for strong leadership skills, ability to reduce debt outstanding amounts, and improving overall operational efficiency. Committed to fostering positive customer relationships while achieving business objectives.
Overview
18
18
years of professional experience
Work History
Area Collection Manager
Tyger Capital (India) Pvt. Ltd (Formerly Adani Capital)
Gwalior
10.2025 - Current
- Managing secured delinquency collections across 0 to Infinity (Bucket) for -2 portfolio.
- Handling collections for Commercial Vehicles (CV), Housing Finance (HL/HFL), MSME, and Tractor loans.
- Overseeing collection across Bhopal, Jabalpur, and Gwalior regions, based out of Gwalior.
- Leading a 12-member in-house collection team with 2 Collection Managers directly reporting.
- Driving recovery performance through field collections, legal actions, and resolution strategies.
- Handling legal recovery processes in Housing Loans, including SARFAESI Act proceedings, Warrant execution, EP (Execution Petition) filing for NPA resolution.
- Coordinating with advocates, legal agencies, and internal legal teams to ensure timely and compliant recovery.
- Monitoring portfolio health, delinquency trends, and NPAs; implementing corrective measures to improve resolution efficiency.
- We have repossessed the vehicle with help of police in critical cases.
- Make strategies for achieving target by discussing with Zonal Collections Manager.
Regional Receivables Manager
Cholamandalam Investment Finance Company Limited
Gwalior
11.2023 - 09.2025
- Handling secured delinquency case across CPC Stage-2 (Commercial Vehicles, Construction equipment and Car) Collection.
- Having the charges collection from allocated pool.
- 100% MI (Motor Insurance) activation for each CFE.
- Having wide knowledge in interpreting all collection MIS.
- I am handing Four Area Collection Managers along with 30 field collection Executive in-house team.
- Handling out sources collection team as well Repossession Agencies.
- We have repossessed the vehicle with help of police in critical cases.
- Maintain Repo record at branch like- Seizer & release approval as well.
- Achieve the monthly and quarterly targets for the allocated Buckets to ensure timely Collection of all the payments.
- Make strategies for achieving target by discussing with Zonal Collections Manager.
- Managing the large portfolio of CPC Loans lending with 1300 plus customer acquisitions and maintains the marginal delinquency.
- Having well control in 1-2 to 2-3 Bucket and Manage portfolio recovery and delinquency within agreed parameters.
- Having A+ Grade in collection Audit Rating and being maintaining the Best Performing Area in collection perspective.
- Managing the collection team members and back end support and ensure the smooth collection process and ensure the delinquency flow on every month within the flow limit.
- Have responsibility for maintaining high levels of Employee satisfaction for team members.
- Maintain healthy environment among team members to increase productivity.
Area Manager - Collection
TVS Credit Services Limited
Gwalior
04.2018 - 11.2023
- Handling secured delinquency case across tractor Loans Collection.
- Having wide knowledge in interpreting all collection MIS.
- I am handing three Territory Collection Managers along with 40 field collection Executive in-house team.
- Handling out sources collection team as well Repossession Agencies.
- We have repossessed the vehicle with help of police in critical cases.
- Maintain Repo record at branch like- Seizer & release approval as well.
- Achieve the monthly and quarterly targets for the allocated Buckets to ensure timely Collection of all the payments.
- Make strategies for achieving target by discussing with Regional Collections Manager/ National Head.
- Managing the large portfolio of tractor Loans lending with 3000 plus customer acquisitions and maintains the marginal delinquency.
- Having well control in X to 180 DPD account and Manage portfolio recovery and delinquency within agreed parameters.
- Having A+ Grade in collection Audit Rating and being maintaining the Best Performing Area in collection perspective.
- Managing the collection team members and back-end support and ensure the smooth collection process and ensure the delinquency flow on every month within the flow limit.
- Have responsibility for maintaining high levels of Employee satisfaction for team members.
- Maintain healthy environment among team members to increase productivity.
- Process compliance plays vital role in success of any organisation. I am responsible for implementation and adherence of all processes and audit measures in Area.
- Responsible for audit rating of area by Internal/ External audit team.
- Resolving collections Audit Queries.
- Responsible for implementation of COC/CCOC among team members.
Collection Manager (Deputy Manager)
HDFC BANK LIMITED
Jhansi
10.2016 - 03.2018
- Handling secured delinquency case across two wheeler Loans Collection.
- Having wide knowledge in interpreting all collection MIS.
- To allocate the debtors to collection agency’s for collection of wheeler Loans Collection.
- Handling out sources collection team as well Repossession Agencies.
- Maintain Repo record at branch like- Seizer & release approval as well.
- Responsible for Initiate NIA 138 & Arbitration.
- To attend the field referral with collection if any customer issue.
- To take timely report from collection agency team.
- Timely audit and receipt re-con cash registers of Branch.
- Maintaining record Daly cash and used receipts upload in the system.
- Responsible for all in house collection accounts and outside collection agency.
- Art’s & Hygiene call closed with in TAT.
- Achieve the monthly and quarterly targets for the allocated Buckets to ensure timely Collection of all the payments.
- Send maintain the MIS & CCS reports and send to upper management.
- Make strategies for achieving target by discussing with State Collections Manager/Zonal Head.
- Managing the large portfolio of two wheeler Loans lending with 1500+ customer acquisitions and maintains the marginal delinquency.
- Having well control in X to 180 DPD account and Manage portfolio recovery and delinquency within agreed parameters.
- Monitoring the healthy collection process as per the policy guidelines and RBI rules and regulation.
- Having A+ Grade in collection Audit Rating and being maintaining the Best Performing Branch in collection perspective.
- Maintain healthy environment among team members to increase productivity.
- Coordination with Ops, Accounts dept, Credit & sales.
- Process compliance plays vital role in success of any organisation. I am responsible for implementation and adherence of all processes and audit measures in branch.
- Responsible for audit rating of branch by Internal/ External audit team.
- Resolving collections Audit Queries.
- Responsible for implementation of COC/CCOC among team members.
Area Manager
Magma Fincorp Limited
Gwalior
05.2015 - 10.2016
- I was sourcing new/used business for (Car loan & commercial vehicle & tractor Loans) from the market.
- I am majorly sourcing new /used business for Tractor loan in agriculture based customer.
- I am taking care sales & collection both in our Area/ locations.
- Leading sales teams to achieve sales target.
- Identifying potential customers in the market.
- Having healthy relationship with dealerships such as tafe, TMTL, ITL(Sonalika) and many more.
- Use sales and marketingoriented skills in the best possible way to achieve the company’s sales goals.
- Managing the branch for collections (Home Loan, car loan & commercial vehicle & tractor Loans).
- I am taking care field verification.
- Make strategies for achieving target by discussing with territory business head & RBH /Zonal Business-s Head.
- Managing the large -portfolio of Tractor loan lending with 1500+ customer acquisitions and maintains the marginal delinquency.
- Monitoring the 14 field officer staff and I have review with our team member for daily sales & collection visit on daily basis.
- Handling delinquency of existing portfolio in order to keep loan performing and the delinquency- under check for the branch.
- Report daily flows to territory business head.
- Make strategies for achieving target by discussing with territory business head.
- Coordination- with Ops for file disbarment and quires and resolving the same.
- Checking actual verses target for each field officer and also guiding the underperforming officers.
- Analysing- reasons for default for various accounts and propose settlement strategies.
- Appointing filed officer and other backend staff to build effective team.
- I am taking care field verification.
- Maintain healthy environment among team members to increase productivity.
- Coordination with TC, Ops, Credit,& sales.
Branch Receivable Manager
Cholamandalam Investment and Finance Company Limited
12.2013 - 12.2014
- Handling secured delinquency case across Commercial Vehicles Loans Collection.
- Having wide knowledge in interpreting all collection mis.
- To allocate the debtors to CFE and collection agency’s for collection of Commercial vehicle loan Collection.
- Handling inhouse collection team & Collection Agency’s as well Repossession Agencies.
- Maintain Repo record at branch like- Seizer & release approval as well vehicle sale to 3rd party from our yard and we have always repo stock cleared with in same month.
- Responsible for Initiate NIA 138 & Arbitration.
- To attend the field referral with collection if any customer issue.
- To take timely report from collection agency and in-house team.
- Timely audit and receipt re-con cash registers of Branch.
- Maintaining record Daly cash and used receipts upload in the system.
- Responsible for all in house collection accounts and outside collection agency.
- Achieve the monthly and quarterly targets for the allocated Buckets to ensure timely Collection of all the payments.
- Send maintain the MIS & CCS reports and send to upper management.
- Make strategies for achieving target by discussing with State Collections Manager/Zonal Head.
- Managing the large portfolio of commercial vehicle loan lending with 2000+ customer acquisitions and maintains the marginal delinquency.
- Having well control in 30 DPD to 1500 DPD and Manage portfolio recovery and delinquency within agreed parameters (reviewing portfolio analytics) in both the NCL and recovery.
- Monitoring the healthy collection process as per the policy guidelines and RBI rules and regulation.
- Having A+ Grade in collection Audit Rating and being maintaining the Best Performing Branch in collection perspective.
- Managing the collection team members and back end support and ensure the smooth collection process and ensure the delinquency flow on every month within the flow limit.
- Have responsibility for maintaining high levels of Employee satisfaction for collections staff.
- Maintain healthy environment among team members to increase productivity.
- Coordination with Ops, Accounts dept, Credit & sales.
Branch Collection In Charge
Fullerton India Credit Company Limited
10.2007 - 12.2013
- Handling both secured and unsecured delinquency case across multi products like Home Equity, Home Loan, Two Wheeler, Commercial Vehicles, Personal loan which include STPL and HTPL Ticket sizes.
- Having wide knowledge in interpreting all collection mis.
- To allocate the debtors to Relationship Officers and Collection Officers and collection agency’s for collection of unsecured and secured products.
- To attend the field referral with collection if any customer issue.
- To take timely report from collection agency and in-house team.
- Timely audit and receipt re-con cash registers of Branch.
- Maintaining record of the possessed stock.
- Maintaining record Daly cash and used receipts upload in the system, cash updated in customer account.
- Responsible for all in house collection accounts and outside collection agency.
- Achieve the monthly and quarterly targets for the allocated Buckets to ensure timely Collection of all the payments.
- Generating various collection reports & filling of the DCR and reporting to the immediate Supervisory.
- Send maintain the MIS & CCS reports and send to upper management.
- All cash Collected amount in EOD & updated in the system same day.
- CCS reports and send to upper management.
- Managing the large portfolio of secured and unsecured lending with 3000+ customer acquisitions and maintains the marginal delinquency till branch goes live from last one year.
- Having well control in 30 DPD to 1500 DPD and Manage portfolio recovery.
Education
B.sc. -
K.R.Degree College
Agra01.2006
Skills
- Developing Winning Strategies to enhance Business Profitability
- Exhibiting personal excellence
- Effective Communication
- Recovery strategies
- Collection operations
- Delinquency management
- Employee engagement
- Team leadership
- Data interpretation
Personal Information
- Father's Name: Mr. U.V. Singh
- Date of Birth: 08/01/82
- Nationality: Indian
- Marital Status: Married
Timeline
Area Collection Manager
Tyger Capital (India) Pvt. Ltd (Formerly Adani Capital)
10.2025 - Current
Regional Receivables Manager
Cholamandalam Investment Finance Company Limited
11.2023 - 09.2025
Area Manager - Collection
TVS Credit Services Limited
04.2018 - 11.2023
Collection Manager (Deputy Manager)
HDFC BANK LIMITED
10.2016 - 03.2018
Area Manager
Magma Fincorp Limited
05.2015 - 10.2016
Branch Receivable Manager
Cholamandalam Investment and Finance Company Limited
12.2013 - 12.2014
Branch Collection In Charge
Fullerton India Credit Company Limited
10.2007 - 12.2013
B.sc. -
K.R.Degree College