Shahnawaz Khan

• Oversee collection activities across multiple areas or branches within a designated region
• Ensure consistent and effective implementation of collection strategies and policies throughout the region
• Monitor and manage the performance of area collection managers and their teams
• Develop and execute regional collection strategies to achieve overall company goals
• Analyze regional performance data to identify trends, risks, and opportunities for improvement
• Adjust strategies based on performance metrics and feedback from area managers
• Lead, mentor, and support area collection managers and their teams
• Conduct regular training and development sessions to enhance team capabilities
• Foster a high-performance culture within the regional collection teams
• Handle escalated issues and complex cases from area collection managers
• Ensure customer interactions adhere to company standards and regulatory requirements
• Develop and maintain strong customer relationships to facilitate smoother collections
• Ensure all regional collection activities comply with relevant legal and regulatory requirements
• Prepare and present comprehensive regional performance reports to senior management
• Maintain accurate records of all regional collection activities for auditing and compliance purposes
• Conduct regular visits to branches within the region to assess collection activities and provide on-ground support
• Evaluate the effectiveness of collection strategies and make necessary adjustments based on field observations
• Collaborate with other regional managers and departments (e.g., Sales, Customer Service, Risk, Legal) to ensure a unified approach to collections
• Coordinate with legal teams on complex recovery cases requiring legal action
• Share best practices and insights with other regional managers to enhance overall collection performance
• Identify and implement process improvements to increase the efficiency and effectiveness of regional collections
• Stay informed about industry trends and incorporate relevant best practices into the regional collection process.

• Supervise and manage a team of collection agents
• Provide training and development to team members to improve collection efficiency and effectiveness
• Set performance targets and monitor team performance
• Develop and implement strategies for the timely collection of overdue payments
• Analyze data to identify trends and areas for improvement in the collection process
• Create and manage collection plans for high-risk accounts
• Handle escalated customer issues and disputes, ensuring a professional and customer-centric approach
• Maintain good relationships with customers to facilitate smooth collections
• Ensure all collection activities comply with legal and regulatory requirements
• Prepare and present regular reports on collection activities, performance metrics, and outcomes
• Maintain accurate records of all collection activities and customer interactions
• Work closely with other departments such as Sales, Customer Service, and Finance to ensure a cohesive approach to customer management and collections
• Coordinate with legal teams on complex or high-value recovery cases
• Conduct field visits to meet customers and resolve issues related to overdue payments, when necessary
• Assess the situation on the ground and take appropriate actions for recovery.

• To achieve various target while making collection calling
• Managing the external collection agencies in order to achieve targets for delinquency
• Ensuring highest levels of customer service
• Providing feedback on external verification agencies
• Identifying deficiencies in the credit processes and controls
• Ensure proper documentation of collection related activities
• Timely assignment of collection cases to agencies
• Continuously review portfolio and report potential delinquent accounts
• Negotiate with seriously delinquent customers and obtain repayments to minimize losses
• Ensure compliance to group code of conduct
• Client visits with collectors
• Manual posting of payments
• Tracking of 30+ delinquency
• Handling Bucket 0 to Recovery cases

• Developed and implementing innovative labor-saving and quality improving process preparation technique
• Inventory management at stores/Outlets
• Generating bills as per cycle/Due dates
• Collection of bills and following it up with clients for overdue amount
• Analyzing the reports and inventory to boost sales
• Implemented new facility design standards which resulted in a 25% increase in labor efficiency and a 10% decrease in product waste
• Provide recommendations to supervisors on potential facility and technology upgrades
• Manage inventories of perishable supplies to achieve maximum cost effectiveness
• Contribute to developing and monitoring budgets
• Taking suggestion and feedbacks for process improvement
• Arranging Cheque/Cash pickup out of Mumbai
• Responsible for Preparation & Execution of purchase order and sending the same to suppliers & sub-contractors.

• Restrict number of complaints for the period at less than 1% of the delinquent portfolio size
• Providing feedback to CPD Operations on the quality of updation on FEPS and HCC, once every quarter
• To Ensure at least 80% of the team achieve base level performance incentive targets in each month
• Hang-up rate for WI/NI campaigns to be maintained at
• To achieve inbound call abandoned rate of
• Implementing and documenting at least 1 process change per quarter for CPD, to help eliminate value-destroying tasks/enhancing operational efficiency
• Do regular follow up with the other department to give the customer end-to-end resolution for their queries
• Innovation of new MIS so as to quicken the process
• System development and implementation for streaming the process
• Achieving flow rate targets for North regions and monitor the delinquent portfolio in each city in the region
• Optimizing efficiency & effectiveness of dialer through active management of dialer campaigns & strategies
• Ensuring that the team achieves the tele-calling efficiency and effectiveness targets set for the region every month
• Monitor & support activities of the tele-calling team by tracking performance of the campaign supervisors & tele-calling officers and liaising with other departments to resolve any procedural issues
• Motivate the team and actively manage performance of the team by establishing and maintaining open communication channels so that any issues and grievances may be amicably sorted out; identifying training needs of officers and effectively managing the incentive schemes for officers
• Provide feedback to INM PFS CCR on delinquency trends by reviewing new sourcing performance (from a Collections viewpoint) in order to ensure early identification of trends
• Ensure Debt management Policy and procedures are followed by implementing debt management procedures and to ensure all debt management policies, regulations, audit recommendations, and key indicators are followed religiously.

• Processing Applications for accounts, Credit Cards & Loans
• Ensure proper documentation of all the above related activities
• Handling collection team and guiding them
• Responsible for the Approval of all the Applications
• Preparing daily MIS and liaising with the Origination team for daily reverts
• Dealing with customers and convincing them to open fixed deposit
• Opening Premiere Accounts
• Conducting audits to identify in loop holes in the system.

• Taking INBOUND and OUTBOUND customer calls
• To Take INBOUND calls, listen to the customer queries and try to solve them by giving appropriate solutions
• Restrict number of complaints for the period at less than 1% of the delinquent portfolio size
• Do regular follow up with the other department to give the customer end-to-end resolution for their queries
• Optimizing efficiency & effectiveness of dialer through active management of dialer campaigns & strategies
• Monitor & support activities of the tele-calling team by tracking performance of the campaign supervisors & tele-calling officers and liaising with other departments to resolve any procedural issues
• To achieve various target while making collection calling
• Outbound telecalling for collection of credit card payments, which are due 30+ days
• Handled portfolios for Delhi, Ahmedabad, Jalander, Mumbai, and Pune
• Mentoring new joiners
• Preparing MIS
• Tracking the cheque diarizers
• Liaising with the area officers for cheque postings
• Project Officer for project 'Whirl'
• Creating ID's for the forthcoming software 'Whirl'.

Coordinated daily operations, including receipt, sorting, and inventory management of scrap materials.

Managed logistics for material transportation, ensuring timely and cost-effective delivery to processing facilities.

Conducted market research to adjust pricing strategies and stay competitive within the industry.

Maintained accurate records of transactions, inventory levels, and material flows.

• Scanning of cheque & documents
• Filing of essential documents.