Summary
To achieve high career growth through continuous process of learning for achieving goal.
Having over 15 years of experience in credit & collection, I have worked in various commercial and consumer venues. I take pride in delivering results and building relationships. I am consistent in delinquency reduction. Performing at better than established goals and controllable profit Enthusiastic team player that expends the extra effort to "get the job done". Adapt well to new situations, quick learner and confident in my abilities. I am trustworthy and loyal, and I take great pride in my work performance. I work extremely well with upper management and understand the importance of profit, excellent customer service/collection, results, and the bottom line of business.
Overview
15
15
years of professional experience
3
3
Languages
Work History
Collection Manager - Gold Loan
ICICI Bank
11.2016 - Current
- Managed complete JL portfolio for Rajasthan South & West, spanning from Bkt 0 to 90+
- Managed delinquency for FPR of Udaipur, Chittorgarh, Dungarpur, Banswara, Rajsamand, Partabghar, Sirohi, Jalore and Pali districts
- Responsible for strategically handling a large-scale portfolio comprising of 2,000 accounts, skillfully addressing and reducing the impact of 30Cr NPA & PNPA
- Streamlined auction process for cases where customers fail to close or renew the facility upon maturity
- Managed and led debt recovery initiatives across various branches
- Successfully handled a portfolio of Home Loan write-offs from 2016 to 2017
- Filing and maintenance of Legal matters for ICICI Bank Ltd
- For my locations.
Collection Manager - Two Wheeler
HDFC Bank
06.2016 - 11.2016
- Implemented strategies to enhance efficiency in TW collections at Banswara Hub & Dungarpur location
- Successfully maintained and monitored a portfolio consisting of 2,000 accounts, incorporating third-party consumer accounts
- Directly responsible for ensuring effective leadership and management of company's collection functions
- Managed a team consisting of 3 collection agencies and over 50 collectors
- Consistently met collection targets through a dedicated focus on NPA and settlements
- Negotiated account settlements and payment arrangements in compliance with corporate guidelines
- Monitored and supervised daily collection of outstanding receivables
- Utilized legal procedures to successfully secure possession of a vehicle under Section 9.
Sales & Collection Manager - - Two Wheeler
IndusInd Bank
08.2015 - 06.2016
- Managed a portfolio of accounts over 50Lac OD including 3rd party consumer accounts
- Built relationships with dealers for sales
- Don't let it go good customer in competitive situation
- Directly responsible for overseeing the leadership and management of the company collection functions
- Led a team of 25 collectors and 7 supervisory staff
- Negotiated settlement of accounts and reasonable payment arrangements within corporate guidelines
- Legally repo vehicle through Sec.9.
Secured and Unsecured Loan - Senior Executive
Magma Fincorp
08.2015 - 06.2016
- Managed X to 90+ bucket collection (Car, CV, CE, Tractor, Suvidha/Re-finance), with a focus on minimizing NPA and maximizing collections
- Trained and mentored newly recruited colleagues to ensure exceptional performance
- Conducted field investigations for all products, ensuring compliance with regulatory requirements.
Secured and Unsecured Loan - Senior Executive
SHAREEF IQBAL AND COMPANY
04.2010 - 04.2012
- Managed the collection of X accounts, achieving a 90+ bucket collection rate while minimizing non-performing assets (NPAs) and maximizing collections
- Trained, mentored, and ensured exceptional performance of newly recruited colleagues.
Education
Bachelor of Arts - EconomicsHistoryUrdu Literature
Senior Secondary - undefined
Board: Ajmer Board
Secondary - undefined
Board: AJMER Board Rajasthan
Skills
TEAM BUILDING AND TRAINING
Additional Information
Thorough knowledge of Fair Debt Collection Practices Act, SARFAESI, skip tracing, legal processes, bankruptcies, both secured and unsecured debt, repossessions, through various positions and industries. Have extensive knowledge of deficiency collections, bankruptcies, repossessions/REOs, as well as skip tracing, negotiations, small claims, legal processes, garnishments, and judicial lines. I have good computer skills and am proficient in the use of Microsoft Excel, Word, as well as other computer systems. Familiar with various computer systems and software. I-Core, Finacle, Finone, CRM, FCRM, I-view, CAPS, CTL. My work experience continues to be my greatest teacher.
Personal Information
- Father's Name: Mr. Siraj Ahmed
- Date of Birth: 06/23/1990
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Timeline
Collection Manager - Gold Loan - ICICI Bank
11.2016 - Current
Collection Manager - Two Wheeler - HDFC Bank
06.2016 - 11.2016
Sales & Collection Manager - - Two Wheeler - IndusInd Bank
08.2015 - 06.2016
Secured and Unsecured Loan - Senior Executive - Magma Fincorp
08.2015 - 06.2016
Secured and Unsecured Loan - Senior Executive - SHAREEF IQBAL AND COMPANY
04.2010 - 04.2012
MLS University - Bachelor of Arts, EconomicsHistoryUrdu Literature
- Senior Secondary,
- Secondary,
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