Harshad Bhuva
Mumbai
Summary
Dynamic professional with extensive experience in debt recovery and team leadership, notably at KISSHT FINANCE. Proven track record in developing effective collection strategies and achieving performance targets. Skilled in training and hiring, with strong problem-solving abilities and proficiency in Microsoft Office. Committed to driving results and enhancing team performance.
Overview
11
11
years of professional experience
Work History
STATE HEAD
KISSHT FINANCE
MUMBAI
09.2025 - Current
- Manage a team of collection agents, provide training, and ensure performance targets are met.
- Ensure legal guidelines are compiled for the entire collection in letter and spirit.
- Develop and implement strategies to maximize debt recovery.
- Monitor and analyze collection performance metrics, identifying areas for improvement.
- Ensure compliance with relevant laws, regulations, and industry standards.
- Provided comprehensive training for new hires, cultivating a team of highly skilled collection professionals.
- Provide regular reporting and analysis on collection performance, trends, and challenges.
- Worked with cross-functional teams to achieve goals.
CLUSTER MANAGER (Collection)
Unity Small Finance Bank
Mumbai
12.2022 - Current
- Managing 07 Branches, Total Team Size was 35 (BM, ABM, LO)
- Handling NPA a portfolio of 35 Crores in western line.
- Managed Overdue Collection Planning, generates due demand sheet reports and send to the branches.
- Cross-checks collection amount with deposit. Wrong collection posting reversal.
- Design policy and strategies related to collection.
- Loan Pre-Closure Process. Send on-time collection data to the branches.
- Identify suitable tactics and strategies for timely collection.
- Responsible for achieving disbursement & collection of area.
- Responsible Business & Quality of portfolio cost control.
- Recruit staff members and training program.
SALES MANAGER
VIVO
Mumbai
05.2019 - Current
- Drive the Secondary, Tertiary business, and VBA Team in the assigned Territory.
- Develop and strengthen relationships with existing and potential retailers.
- Responsible for Target Management, Team Management, WOD Expansion, Branding Resource Management, and Market Information Operations.
- Responsible to plan, execute and drive sales along with KPIs.
- Encourage and train my VBA team to meet their sales goals.
- Educating retailers with Margin benefits, Retailer incentive schemes, Products and Sales support.
Cluster Manager TSM (Territory Sales manager)
Huawei
Mira Road to Dahanu, Mumbai
11.2016 - 04.2019
- Handled a Team of 42 Sales Promoter at key account outlet.
- Review sales team everyday morning with a shot meeting.
- Distributor FOS Training regarding product/Dealer monthly Sell out/Sell in pay-out.
- Distributor FOS regular meets and review of target vs achievement.
- Responsible of all Retailer/Distributor Credit Note Timely Settlement.
- Maximum New Model Launch Campaigned.
- Responsible for Motivation & development of Promoter.
SALES EXECUTIVE
OPPO
Vasai to Virar, Mumbai
06.2015 - 10.2016
- Sales forecast/Business Development.
- Handled team 45 sales promoter, their daily reporting and monthly volume and value target ach.
- Margin Structure Discussion with Retailer.
- Doing everyday morning con call with team regarding target vs ach.
- Weekly review of product, price, scheme and marketing activity of our and competition.
Education
MBA - PGDM -
PONDICHERRY UNIVERSITY
01.2015
BMS -
MUMBAI UNIVERSITY
Skills
- Microsoft Office
- Communication
- Team Leadership
- Problem-solving
- Time Management
- Collection strategy
- Target achievement
- Debt recovery strategies
- Hiring and training
Timeline
STATE HEAD
KISSHT FINANCE
09.2025 - Current
CLUSTER MANAGER (Collection)
Unity Small Finance Bank
12.2022 - Current
SALES MANAGER
VIVO
05.2019 - Current
Cluster Manager TSM (Territory Sales manager)
Huawei
11.2016 - 04.2019
SALES EXECUTIVE
OPPO
06.2015 - 10.2016
MBA - PGDM -
PONDICHERRY UNIVERSITY
BMS -
MUMBAI UNIVERSITY