Abhijeet Singh Bhogal
Manager-Recoveries & Operations (Debt Management)
Vadodara
Summary
Dedicated finance professional with a history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success.
Well-versed in producing reports, evaluating department operations and handling cycle, month- and year-end closings. Meticulous, conscientious and methodical in approach. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
2025
2025
years of professional experience
4
4
years of post-secondary education
1
1
Certification
Work History
Manager (Debt Management)
ICICI Bank
Vadodara
08.2024 - Current
- Championed a culture of accountability within the regional collections team by setting clear expectations and providing constructive feedback on individual performances.
- Provided comprehensive training for new hires, cultivating a team of highly skilled collection professionals.
- Managed high-risk accounts proactively, mitigating potential losses through early intervention efforts.
- Negotiated favorable payment terms with customers experiencing financial hardship, preserving goodwill while ensuring repayment.
- Led by example, demonstrating a commitment to ethical collections practices and upholding the highest professional standards within the team.
- Established regional targets and objectives aligned with company-wide goals, driving team performance towards success.
- Enhanced collection efficiency by implementing innovative strategies and best practices.
- Coordinated cross-functional efforts among internal departments such as Sales, Finance, Legal, and Customer Service for cohesive strategic planning.
- Implemented successful dispute resolution techniques to recover outstanding balances without damaging client relationships.
- Monitored industry trends to develop proactive strategies in response to changing economic conditions or regulations affecting collections activities.
- Reduced bad debt losses through effective monitoring and timely follow-ups on delinquent accounts.
- Developed strong relationships with key clients, resulting in increased payment compliance rates.
- Collaborated with sales teams to minimize credit risk exposure and support business growth.
- Optimized collection workflows by integrating cutting-edge technology solutions into daily operations.
- Spearheaded process improvements that led to increased recovery rates and decreased days outstanding.
- Conducted thorough audits of account portfolios to ensure accuracy and maintain regulatory compliance.
- Streamlined collections processes for improved productivity and reduced costs.
- Evaluated staff performance regularly through ongoing coaching sessions, fostering professional development opportunities for all team members.
- Collaborated on collection and dispute resolution issues.
- Monitored accounts receivable aging and worked with various areas to address business needs.
- Identified and discussed with management opportunities for improvements to procedures and internal controls.
- Responded to requests for new or increased open account credit limits.
- Responded to customer inquiries and provided detailed account information.
- Maintained accurate records of customer accounts, payments and payment plans.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Listened to customers and negotiated solutions that met creditor and debtor needs.
- Monitored customer accounts for payment delinquency and initiated collection efforts.
- Worked with customer to create debt repayment plan based on current financial condition.
- Processed debtor payments and updated accounts to reflect new balance.
- Established relationships with customers to encourage payment of delinquent accounts.
- Analyzed customer financial records to determine appropriate payment plan.
- Entered client details and notes into system for interdepartmental access and review.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Generated and distributed monthly customer statements.
- Investigated customer credit references and approved credit lines.
- Developed and documented collection procedures and policies to comply with government regulations.
- Deployed automated system tracking and skip tracing to locate hard-to-find, re-located customers.
- Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance.
- Prevented impending loss and increased profitability by enforcing scheduled collection campaigns, consistently achieving targeted recovery rate.
- Prepared and submitted legal documents to initiate court proceedings.
- Accomplished multiple tasks within established timeframes.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
Manager (Debt Management)
HDFC Bank Ltd.
Vadodara
8 2020 - 07.2024
- Implemented process improvement to shape organizational culture, optimise procedures for higher efficiency and help company evolve and grow.
- Set, enforced, and optimised internal policies to maintain responsiveness to demands.
- Established positive and effective communication among unit staff and organisation leadership, reducing miscommunications, and missed deadlines.
- Achieved performance goals on consistent basis.
- Developed and maintained relationships with external vendors.
- Led hiring, onboarding and training of new hires to fulfill business requirements.
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Worked flexible hours across night, weekend and holiday shifts.
- Created reports and interpreted data which analyses pros and cons of assigned projects.
- Provided strategic allocation of resources to various departments and managers in alignment with needs.
- Analyzed and reported performance data, translating findings into practical improvement actions all over west zone - Gujarat
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Prepared and submitted legal documents to initiate court proceedings.
- Prevented impending loss and increased profitability by enforcing scheduled collection campaigns, consistently achieving targeted recovery rate.
- Monitored customer accounts for payment delinquency and initiated collection efforts.
- Handling External Recovery Vendors and recovery executives and field officers.
- Handling the In-house team, tele-callers and field executives.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Verified compliance with relevant laws, regulations and best practices related to customer account management.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Maintained accurate records of customer accounts, payments and payment plans.
- Deployed skip tracing to locate hard-to-find, re-located customers.
- Investigated customer credit references and approved credit lines.
- Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
- Collaborated with sales and marketing departments to support client acquisition.
- Fielded customer complaints and facilitated negotiations, resolving issues and reaching mutual conclusions.
- Contributed to team objectives in fast-paced environment.
Assistant Manager (Collections)
Bajaj Finance Limited
Vadodara
11.2019 - 08.2020
- Handled X Bucket Consumer Loan Portfolio.
- Handling Collection Agencies,FOS and Telecallers.
- Monitored customer accounts for payment delinquency and initiated collection efforts.
- Performed Well Drive to Agencies.
- Maintained MIS Report of Portfolio on daily basis.
- Investigated customer credit references and approved credit lines.
- Well equipped working on FINNONE system,Microsoft Excel and Libre.
- Prevented impending loss and increased profitability by enforcing scheduled collection campaigns, consistently achieving targeted recovery rate.
- Maintained Detailed Report on cases.
- Maintained Feedback Report for cases with proper Collections codes.
- Provided essential and important details to Agencies and FOS.
- Provided Paid Cases Report on Daily basis to Agencies.
- Completed regular Field Visits
- Provided Assistance to FOS
- Regularly monitored accounts to identify overdue balances and potential areas of risk.
- Maintained communication with One to One with FOS and Customers.
- Reviewed Cibil of customers.
- Maintained Agencies Payout Report and Deposition Report.
- Maintained accurate records of customer accounts, payments and payment plans.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Collected on delinquent accounts to reduce overdue balances.
- Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
- Achieved performance goals on consistent basis.
Customer Relationship Officer (Housing)
HDFC SALES PVT LTD
Vadodara
11.2016 - 09.2019
- Handled Processing of HDFC Home Loan Portfolios.
- Querying & Identifying the loan applicant.
- Used consultative techniques to understand customer needs and make strategic referrals to business partners.
- Regular Reviewing the Cibil & Highmark of the loan applicants.
- Preparing Income working and evaluating Income.
- Recommendation & Processing loan to Higher Sanction Authority
- Logged call information and solutions provided into internal database.
- Maintaining TAT of Loan Portfolios.
- Managed Collection Process of Loan Portfolios.
- Contributed to team objectives in fast-paced environment.
- Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
- Established and maintained highly effective relationships with clients and industry partners to drive growth.
- Identified business development challenges and customer concerns for proactive resolution.
- Communicated directly with customers and partners to build strong business networks and relationships.
- Attended monthly sales meetings and quarterly sales trainings.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
- Collaborated with cross-functional teams to identify and address customer needs.
- Handled HDFC sales team and direct selling agents and business partners.
- Handled various sales executives for better sales and business.
- Strategized with sales team to prospect and qualify potential customers within assigned geographic territories.
- Collaborated with sales and marketing departments to support client acquisition.
- Built relationships with sales partners and business vendors to promote long term business growth.
Assistant Auditor
Prakash Chandra Jain & Co.
Vadodara
07.2014 - 10.2016
- Performed analysis and research to compile data to submit to auditor for special projects.
- Provided administrative and management assistance to auditor and directed activities in office.
- Assisted auditor in developing timelines, budgets and audit plans for () assigned projects in 2016.
- Developed audit scopes and audit programs.
- Prepared year-end journal entries to prepare for annual audit.
- Created thorough audit reports with results, recommendations and conclusions.
- Prepared balance sheets.
- Conducted audits of funds to meet proper accounting, reporting and disbursement requirements.
Trainee Employee
J.K. Chemical Pumps
Vadodara
6 2013 - 6 2014
- Worked in Accounts Department and Adhered to corporate data confidentiality rules, mitigating breaches
- Auditing
- Taxation
- Collected, arranged, and input information into database system.
- Handled day-to-day customer or client questions via telephone or email.
- Supported departmental tasks to increase understanding of industry processes.
Education
PGDip - Taxation Laws And Practice
Maharaja Sayajirao University of Baroda
Vadodara 06.2012 - 04.2013
Bachelor of Commerce - Accounting And Finance
The Maharaja Sayajirao University of Baroda
Vadodara 06.2009 - 03.2012
Skills
- Oracle
SAP Finance Module
Finacle System
TALLY ERP 9
Finnone System
SAP expertise
Certification
TALLY ERP 9 A+ Grade
Additional Information
- ACADEMIC DETAILS IN GIST:
- 2013: Post Graduate Diploma in Tax Practice - Maharaja Sayajirao University, Vadodara.
- 2012: B.Com- Maharaja Sayajirao University , Vadodara
- 2009: HSC , Baroda High School ONGC, Vadodara.
- 2007: SSC , Baroda High School ONGC, Vadodara.
References Available On Request.
Timeline
Manager (Debt Management)
ICICI Bank
08.2024 - Current
Assistant Manager (Collections)
Bajaj Finance Limited
11.2019 - 08.2020
Customer Relationship Officer (Housing)
HDFC SALES PVT LTD
11.2016 - 09.2019
Assistant Auditor
Prakash Chandra Jain & Co.
07.2014 - 10.2016
PGDip - Taxation Laws And Practice
Maharaja Sayajirao University of Baroda
06.2012 - 04.2013
Bachelor of Commerce - Accounting And Finance
The Maharaja Sayajirao University of Baroda
06.2009 - 03.2012
TALLY ERP 9 A+ Grade
Manager (Debt Management)
HDFC Bank Ltd.
8 2020 - 07.2024
Trainee Employee
J.K. Chemical Pumps
6 2013 - 6 2014
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