Chirag Panchal

• Manage All Product Business Loan, LAP,Home Loan,Personal Loan,Channel Finance,Equipment Finance.
• Manage Ahmedabad and North Gujarat Location.
• Personally Visit of Each Case and Convince for Payment/Settlement.
• Manage 1 Collection Agency.
• Initiate Legal of RTP Case Sec-138, LRN, Sarfaesi
• Trace out Skip, Shifted Case by Cibil and Different Source.

• Manage TW/CD Loan Collection.

• Manage TW Bkt 1,2,3 and W.off Portfolio 1500 cases.

• Handling Ahmedabad, Mehsana,Himmatnagar,Kheda and Dehgam Location.

• Personally visit some high value cases and convince for settlement otherwise repossession vehicle.

• Achieving the target given by company.

• Regular review of collection agency for the performance related.

• Documentations on agency performance and review and Daily MIS maintenance.

• Manage customer’s escalations and ensure resolution of all cases.

• Maintain and manager all repossession related activities

Trace the Skip Customer and vehicle and process for repossession.

· Mange Unsecured Personal Loan Collection.

· Manage Bucket X Portfolio and Mange 600 to 1000 Cases.

· Manage Two Location Ahmedabad and Rajkot.

· Achieving Monthly Target and given Senior Management.

· Track & control the delinquency of the area and focus on non-starters

· Maintaining MIS report, reviewing of collection feedback on daily, weekly & monthly basis.

· Personally, Visit High Value Cases and Resolve Customer Query and Dispute.

· Trace Skip and shifted Customer by Differences Sites.

Provided training and mentoring to collection staff.

• Manage a W.off Recovery 180 DPD Portfolio.

• Manage Kotak Credit Card and Barclays Personal Loan Product.

• Mange two City Recovery Ahmedabad and Rajkot.

• Achieving Target of Credit card Recovery of 1.25% ROR of Total Allocation.

• Personally, Visit to High BAL Credit Card Account and Convince for dues.

• Sending Legal LRN Notice to Customer Register mail id and dispatch to customer address.

• Maintain all Legal Data.

• Initiate Arbitration and EP Filing of All cases.

• Weekly Review Every Agency with Executive.

• Tracing skip cases by Cibil, social media and other tools.

• Team Management handling 6 collection agency.

• Handling Consumer Durable and personal loan product.

• Handled portfolio across buckets from Bucket 2 and 3.

• Achieving the target of CD BKT 2 45% and Roll back of 30%.

• Filed Visit with Agency executive of RTP Cases and dispute cases.

• Vendor Management – Appointment, Training, Performance evaluation and Payments to the Vendors (Collection Agencies, CPV Agency, FCU Agency, Legal Advocates etc.)

Team Management - Handling 4 collection agency and 5 in-house collectors

• Interacting with walk-in customers (Both Collection & Non-Collection related customers).

• Preparing Daily cash MIS of branch as well Agencies of Ahmedabad.

• Cash & Cheque deposition recon.

• Receipt recon of branch & Agencies.

• Coordination between central team for daily activities like cash recon, cheque recon & receipt recon.

• Authorization of Payments Collection entry.

• Preparation of daily collection and payment related mis including CCS.

• Collating agency feedback on daily basis.

• Maintaining all regional level MIS for Guj and MP.

· Handling Capital First TW and Consumer Product.

· Handling Bucket X and 1 Portfolio.

· Handling collection Team and Tele calling.

· Handling cash counter and collect cash form executive.

· Filed visit with executive of RTP Cases.

· Collecting Feedback form all filed executive.