Gowlikar Sai Raj
Banking Collections
Hyderabad
Summary
Dynamic and goal-driven Collections Manager with over 6.5 years of proven experience in reducing delinquencies and mitigating risks. Expertise in developing and implementing effective collection strategies that enhance cash flow and improve overall financial performance. Committed to leveraging analytical skills and industry knowledge to support organizational objectives and drive sustainable growth. Prepared to contribute to a high-performing team and deliver exceptional results.
Overview
7
7
years of professional experience
Work History
Collection Manager
HDFC Bank
02.2024 - Current
- Managing recovery of Credit Cards product in TS.
- Portfolio Size 15cr.
- Particular Area for delinquent locations.
- Managed and undertaken collections process for debts that have been assigned.
- Regularly tracked the portfolio for specific buckets for the assigned area and taken control on the delinquency of the area, Bucket-wise DPD wise and focus on non-starters.
- Responsible to allocate and achieve given targets from agencies/ in house team.
- Regularly follow up with the default customers.
- Ensuring adherence to collection process and legal guidelines.
- Tracing out absconded default customers and initiate recovery process.
- Supervise and motivate staff delegate tasks, and provide guidance to ensure productivity and adherence to company policies.
- Customer Service Handle customer inquiries, complaints, and issues effectively, striving to maintain high levels of satisfaction.
- Performance Evaluation Assist in evaluating employee performance, providing input for reviews and promotions, and addressing any performance issues constructively.
- Recommend for legal actions for non-recoverable cases and following up with the legal team for the closure of the cases.
- Maintain data for administrative work related to collection such as updating delinquent account history, providing and maintaining MIS report, reviewing of collection feedback on daily, weekly monthly basis.
- Additionally taken responsibility as Initial resolver in handling CRM escalations/RBI complaints/MD escalations and provided resolution on basis customer complaint followed by process grid and closed complaints within the given time line.
- Reduced delinquency rates with proactive account monitoring and timely communication.
- Improved overall collections efficiency by implementing strategic collection plans and processes.
Team leader
Q CONNEQT BUSINESS SOLUTIONS LIMITED
11.2022 - 02.2024
- Managing Un-Secured Product Credit Cards in Hyderabad Bucket X & 1 with a stock of 7 Cr.
- Achieved targets on monthly basis in credit card flows.
- Managing at an average of 1100 accounts with 7cr portfolio every month with a target of 89% resolution
- Tracing the customers through social media, applications and CIBIL reports.
- Taking care of audit related activities and receipt management.
- Conducting CIBIL awareness program for delinquent customers.
- Contributing to reduce NPA, planning according to the organizational requirement to achieve RB and Normalizations.
- Follow the policies, procedures, and strategies set forth by Management.
- Managing the portfolio with Collection with over all staffing of 22 Field Executives
- Reviewing every month through meeting about previous months’ performance & action plan for next month.
- Visiting on field along with field executive High Value Cases.
- Reporting every day feedback to the manager.
- Set performance expectations for the team, monitoring progress towards goals and providing constructive feedback as needed.
- Developed team members'' skills through targeted coaching sessions, resulting in improved individual performance.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
Supporting Team Leader
Secure Debt Management Consultants Pvt Ltd
08.2021 - 11.2022
- Managing 1000 and above accounts with portfolio size of approx. 14cr PL and CC Recovery
- Managing and handling, TC & Field executives.
- Calling customers contact and reference
- Motivate the Team to achieve Targets.
- Taking daily Reviews With Telle Callers& Field Executive
- Keeping track of the daily collection reports by MIS
- Tracing customers like non contactable and fraud
- Enhanced team productivity by implementing efficient work processes and regularly reviewing performance metrics.
- Mentored junior staff members, helping them develop their leadership potential and advance in their careers.
- Set performance expectations for the team, monitoring progress towards goals and providing constructive feedback as needed.
- Developed team members'' skills through targeted coaching sessions, resulting in improved individual performance.
Sr. Officer
Peniel Consultants HDFC BANK
05.2018 - 07.2021
- Managing 600 and above accounts with portfolio size of approx. 2cr.
- Agency allocation
- Calling each customers contact and reference.
- Resolving customer’s issues, negotiating settlement as per the guidelines of the bank policy.
- Skip tracing on non-contactable cases.
- Assigning traced accounts to Field for visit.
- Reporting every day feedback to the manager.
- Visit to customer residence addresses.
- Established strong relationships with key clients to maintain customer loyalty and drive repeat business opportunities.
- Implemented innovative process improvements that enhanced productivity and reduced operational costs.
Education
B.com - Computer Information Systems
Jagruti Degree & P.G Collage
Hyderabad, India01.2018
Intermediate - CEC
Ratna Junior Collage
Hyderabad, India01.2015
S.S.C. - Ssc
Annie Besant High School
Hyderabad, India01.2013
Skills
MS Office
Mapping
Payment acceptance
Account reconciliation
Debt recovery expertise
Process improvement strategies
Portfolio management
Performance tracking
Performance improvement
Billing
Audits
Disclaimer
I hereby declare that the above mentioned information is correct up to my knowledge and I bear the responsibility for the correction of the above-mentioned particulars.
Personal Details
- Name: Gowlikar Sai Raj
- Date of Birth: 1995-05-21
- Sex: Male
- Marital Status: Un-Married
- Nationality: Indian
- Religion: Hindu
- Languages Known: Telugu, Hindi, English
- Address: Kachiguda Hyd
Timeline
Collection Manager
HDFC Bank
02.2024 - Current
Team leader
Q CONNEQT BUSINESS SOLUTIONS LIMITED
11.2022 - 02.2024
Supporting Team Leader
Secure Debt Management Consultants Pvt Ltd
08.2021 - 11.2022
Sr. Officer
Peniel Consultants HDFC BANK
05.2018 - 07.2021
B.com - Computer Information Systems
Jagruti Degree & P.G Collage
Intermediate - CEC
Ratna Junior Collage
S.S.C. - Ssc
Annie Besant High School