Chetan Sharma

Handled multiple processes of various Banks and NBFCs.

HDFC Bank Ltd (Auto Loan, Two wheeler Loan, Personal Loan, Credit Card), DMI Finance (Personal Loan), Vodafone (Pospaid), MTS & Tikona (Broadband Recoveries)

• Experienced in reviewing delinquent cases to control recovery operations for recovery customers.
• Well versed in handling high value delinquent cases
• Experience in retention & collections on hard & soft bucket operations inclusive of planning recovery from customers against pending/unpaid debt after providing advice on the various payment options
• Proficient in taking initiative to identify bad debts, assessing the problems in the way of collection and taking adequate measures to their collection
• Proven ability in managing Collection portfolios & drive the collections as per the business requirement within compliance and COC disciplined manner
• Skilled in evolving appropriate resolution strategy and implementations of the same including with the borrowers on restructuring of debt and settlement terms
• Monitoring collection strategy, planning allocation, strategy for the month, keeping in mind optimum utilization of resources available
• Managed regular follow up with team for the allocated on daily basis and discussing disputed cases, case to case wise and get those same cases resolved
• Designing and implementing systems/polices/procedures for smooth and effective business operations.
• Monitored competitor activities to anticipate changes in the industry landscape and design appropriate response measures.
• Created detailed reports on project progress for senior management review.
• Participated in recruitment initiatives by interviewing potential candidates and selecting suitable hires.
• Implemented process improvements to increase operational efficiency and reduce costs.
• Reviewed employee performance and provided ongoing feedback and coaching to drive performance improvement.

Key Responsibility:

• Leadership & Team Management.

● Lead & manage a team of Backend Tele-callers / Asst. Manager and Field Executives.

● Set performance targets and monitor the team's performance against those targets.

• Target & Projections.

● Responsible for monthly recovery & bucket targets delievery as per business demand.

• Strategic planning and execution.

● Develop and implement effective field collection strategies to minimize delinquencies and maximize recoveries.

● Allocation allotment to the team.

● Analysis data to identify trends and areas for improvement, and adjust strategies accordingly.

● Coordinate with other departments, e.g. Risk Compliance & Training/Quality) to ensure a cohesive approach to collections.

• Operational Efficiency.

● Opetimize field collection processes to enahnce effciancy and effitveness. Ensure timely and accurate reporting of collections activities and performance matrics.

● Enusre Projections & DRR achievment on reguler basis as per monthly ROR / Bucket targets.

● Utilize technology and automation to streamline the field process.

● Ensure field collection activities comply with relevent laws, regulations and company policies.

• Customer Intraction.

● Oversee the resolution of High-Value & Disputed cases. Maintained a customer centric approach.

● Ensure field collection executive intraction with customer profressionally & ethically.