Harshad Patel

Seasoned well-versed in collections procedures, payment plans and regulatory compliance. Financially literate and sympathetic manager of corporate-hired collections and debt acquisition operations with tact in customer persuasion and empathy. Supportive and emotionally aware team member, providing guidance to employees throughout stressful and confrontational interactions with public.

• India Info Line Finance Ltd., Assistant Collection Manger, 07/18/13, 02/14/14, Handling the Portfolio of CV/UCV/LCV/ULCV Vertical Products across all buckets for the locations from Surat to Vapi. Responsible for Management of Backend as well as front end Collection activities for entire South Gujarat. Setting Collection Targets & Performance Assurance. Responsible to seize assets of C.V. Vertical from chronic customers thru empanelled team and outsource network also. Daily MIS tracking and monitoring DCR. Coordination with the Credit & Sales Team.
• Shriram Transport Finance Co Ltd., Senior Credit Executive (Collections), 01/18/11, 07/17/13, Handling the Portfolio of CV/CE/UCE/LCV Vertical Products across all buckets for the locations from Surat. Handling the Portfolio of new and refinance Auto loan across all buckets for the locations from Surat. Daily follow-ups by tale calling and field visits of customer for overdue collection. Back-office activities like preparing collection MIS and updating the feedbacks of customers. Have handled Repossessions of assets also and completion of all related processes. Giving feedbacks to the credit and sales team as and when required by them also coordinating with them on nonstarters and early delinquent cases so that they can be resolved immediately.
• Fullerton India Credit Co Ltd., Collection Officer, 04/20/09, 01/15/11, Handling the Portfolio of Personal Loan Products across all buckets for the locations of SURAT. Daily follow-ups by tale calling and field visits of customer for the overdue collection. Back-office activities like deposition of cash, preparing collection MIS and updating the feedbacks of customers. Support all activities related to internal process and control keeping in mind the periodic audits. Giving feedbacks to the credit and sales team as and when required by them also coordinating with them on nonstarters and early delinquent cases so that they can be resolved immediately.
• INDIA BULLS FINANCIAL SERVICES LTD., Collection Executive, 11/01/07, 04/30/09, Handling the Portfolio of BUSINESS LOAN / STPL WRITE-OFF cases in SURAT location. Have also handled X bucket cases of unsecured product where I have consistently achieved 95% efficiency. Preparing daily MIS and reporting to Area Collection Manager.
• Kotak Mahindra Bank, Collection Officer, 09/01/06, 11/30/07, Handle all buckets in Personal Loan Cases. Reporting to branch manager updating feedbacks of the follow-ups

• Date of Birth: 02/07/82
• Nationality: Indian
• Marital Status: Married