Rekha M
Bangalore
Summary
Dynamic Team Lead with extensive experience in loan and credit recovery at Sri Lakshmi Associates. Expert in negotiating settlements and reducing NPAs through strategic leadership and training. Proven ability to enhance team performance and client relationships, ensuring compliance and effective recovery processes. Skilled in conflict resolution and performance monitoring.
Overview
8
8
years of professional experience
Work History
Team Lead – Loan/Credit Recovery (NPA & Written-off Accounts)
Sri Lakshmi Associates
Bangalore
01.2025 - Current
- Leading a recovery team focusing on NPA and written-off loans.
- Coordinating with banks and financial institutions for effective recovery and settlement processes.
- Monitoring team performance, guiding agents, and ensuring recovery targets are met.
- Handling escalated cases, negotiating settlements, and preparing recovery reports.
Team Lead – Loan/Credit Recovery (NPA & Written-off Portfolio)
Benaka Management Services
Bangalore
01.2022 - 12.2024
- Supervised recovery operations of secured and unsecured NPAs as well as written-off loans.
- Developed and implemented recovery strategies, reducing non-performing assets (NPA).
- Mentored and trained recovery agents, boosting collection efficiency and compliance.
- Managed relations with multiple banking clients, ensuring smooth execution of recovery activities.
Debt Recovery Agent – Loan/Credit Recovery
01.2018 - 12.2021
- Recovered overdue loans, credit cards, NPAs, and written-off accounts.
- Contacted customers through calls, visits, and legal coordination for repayment.
- Negotiated repayment solutions and settlements while ensuring compliance with RBI/banking norms.
- Achieved high success rates in recovering difficult accounts, contributing to team achievements.
Education
Bachelor’s Degree - Commerce
Seshadripuram College
BangaloreSkills
- Loan & Credit Recovery (Secured & Unsecured)
- NPA & Written-off Accounts Recovery
- Debt Negotiation & Settlement
- Team Leadership & Training
- Client Relationship Management
- Compliance & Regulatory Knowledge
- Performance Monitoring & Reporting
- Customer Handling & Conflict Resolution
Accomplishments
- Recovered significant amounts from NPA and written-off accounts across multiple banking clients.
- Consistently exceeded individual and team recovery targets.
- Awarded/Recognized for outstanding negotiation skills in handling high-value delinquent accounts.
- Played a key role in reducing overall NPA ratio for assigned banking clients.
Languages
- English
- Kannada
- Telugu
- Tamil
Timeline
Team Lead – Loan/Credit Recovery (NPA & Written-off Accounts)
Sri Lakshmi Associates
01.2025 - Current
Team Lead – Loan/Credit Recovery (NPA & Written-off Portfolio)
Benaka Management Services
01.2022 - 12.2024
Debt Recovery Agent – Loan/Credit Recovery
01.2018 - 12.2021
Bachelor’s Degree - Commerce
Seshadripuram College
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