Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Personal Information
Timeline
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JAVED KHAN

Wazirabad

Summary

Accomplished Collection Manager with a proven track record at TATA CAPITAL LTD, adept in debt recovery and portfolio monitoring. Leveraged strong negotiation skills and team leadership to exceed resolution targets, enhancing customer relationships and compliance. Expert in MS Office and Excel, consistently achieving goals through effective team and resource management.

Overview

18
18
years of professional experience

Work History

Collection Manager- PL BL AND OD PL BL

TATA CAPITAL LTD
Delhi-NCR
12.2021 - Current
  • Company Overview: One of the most respected Retail-PL/BL funding financial group in the country
  • Collections, for Delhi NCR area
  • Presently handling PL BL and OD PL BL retail product, Retail cases bucket 4+ to 15
  • Special focus on high value cases resolve with desire pos negotiation
  • Coordinate with two on-roll managers, agencies and inhouse team on DRR basis
  • Managing each location in such way so that all location performs to the best, achieve desired goals and contribute toward overall performance of the hub
  • Maintaining MIS and follow up daily tracker to monitor the monthly assigned resolution
  • Maintaining legal MIS and Coordinate with the Legal team, so that we take legal help in case of police complaint, account freezing any other collection dispute
  • Handling all cycles along with the SIX agencies
  • Ensuring that Resolution targets are met weekly and monthly
  • Preparing daily feedback from the team and preparing MIS on daily basis and initiating corrective actions for better team results
  • Timely managing vendor’s bill payment
  • Help to motivate external employee by providing certificate on their monthly performance
  • Managing BPMS (Audit) by preparing monthly performance, M collect ID, ID cards Ensuring to crack or settle accounts immediately that repeats and hits delinquency etc
  • Ensuring team increments and promotion timely to motivate the team spirit
  • Interacting with other departments like Sales, and Customer Service to resolve the customer issues and complaints
  • Working on delinquent's accounts and try to normalize them instead of stabilizing it
  • Educating customers about the product and its features along with benefits of maintaining relationship with the financial services provider
  • Reports to compliance departments if any suspicious transaction happens
  • One of the most respected Retail-PL/BL funding financial group in the country

Assistant Collection Manager- Retail Tw

MUTHOOT CAPITAL SERVICES LTD
Delhi-NCR
12.2019 - 03.2021
  • Looking after Collections, Repossession of vehicle, Handling Two Wheeler for Delhi NCR area
  • Presently handling Two-Wheeler retail product, Retail cases across bucket, along with repossession of Vehicle, Resale of asset with collection agency staff and wherein accounts are in delinquency X, Bucket to Infinity DPD
  • Special focus on NPA and Write-off cases
  • Coordinate with the Legal team, so that we take legal help in case of repossession of the vehicle or any other collection dispute
  • Managing each location in such way so that all location perform to the best, achieve desired goals and contribute toward overall performance of the hub
  • Proper focus no Banking and timely send Annexure to Ops
  • Maintaining MIS and follow up daily tracker to monitor the monthly assigned resolution
  • Handling all cycles along with the SIX agencies
  • Ensuring that Resolution targets are met weekly and monthly
  • Preparing daily feedback from the team and preparing MIS on daily basis and initiating corrective actions for better team results
  • Timely managing vendor’s bill payment
  • Help to motivate external employee by providing certificate on their monthly performance
  • Managing BPMS (Audit) by preparing monthly performance, repo-kit updating, ID cards Ensuring to crack or settle accounts immediately that repeats and hits delinquency
  • Ensuring team increments and promotion timely to motivate the team spirit
  • Interacting with other departments like Sales, and Customer Service to resolve the customer issues and complaints
  • Working on delinquent's accounts and try to normalize them instead of stabilizing it
  • Educating customers about the product and its features along with benefits of maintaining relationship with the financial services provider
  • Reports to compliance departments if any suspicious transaction happens

Associates Collection Officer- Retail Tw

HERO FINCORP LTD
Rohtak- Haryana
05.2018 - 12.2019
  • Looking after Collections, Repossession of vehicle, Handling Two Wheeler for Rohtak Zone area Included (Bahadurgarh,Jahjhar Sampla, Bhiwani, Jind Meham, Kalanour etc.)
  • Presently handling Two-Wheeler retail and PL, & Auto product, Retail cases across bucket, along with repossession of Vehicle, Resale of asset with collection agency staff and wherein accounts are in delinquency X, Bucket to Infinity DPD
  • Special focus on NPA and Write-off cases
  • Coordinate with the Legal team, so that we take legal help in case of repossession of the vehicle or any other collection dispute
  • Managing each location in such way so that all location performs to the best, achieve desired goals and contribute toward overall performance of the hub
  • Proper focus no Banking and timely send Annexure to Ops
  • Maintaining MIS and follow up daily tracker to monitor the monthly assigned resolution
  • Handling all cycles along with the three agencies
  • Ensuring that Resolution targets are met weekly and monthly
  • Preparing daily feedback from the team and preparing MIS on daily basis and initiating corrective actions for better team results
  • Timely managing vendor’s bill payment
  • Help to motivate external employee by providing certificate on their monthly performance
  • Managing BPMS (Audit) by preparing monthly performance, repo-kit updating, ID cards Ensuring to crack or settle accounts immediately that repeats and hits delinquency
  • Ensuring team increments and promotion timely to motivate the team spirit
  • Interacting with other departments like Sales, and Customer Service to resolve the customer issues and complaints
  • Working on delinquent's accounts and try to normalize them instead of stabilizing it
  • Educating customers about the product and its features along with benefits of maintaining relationship with the financial services provider
  • Reports to compliance departments if any suspicious transaction happens

Branch Collection Manager-Infrastructure Finance

RELIANCE CEMMERCIAL PVT LTD
New Delhi
12.2012 - 05.2018
  • Looking after Collections, Repossession of assets, court cases Sec-9/ Sec-17 Arbitration for Delhi, NCR
  • I was handed Construction equipment retail and strategic, corporate cases across bucket, Along with repossession of equipment’s, Resale of asset with agency staff and In house team wherein accounts are in delinquency X, Bucket to Infinity DPD
  • Maintaining MIS and follow up daily tracker to monitor the monthly assigned resolution
  • Handling all cycles along with the team of 7 off roll employees In house Team and Vendors
  • Ensuring that Resolution targets are met weekly and monthly
  • To prepare daily feedback from the team and preparing MIS on daily basis and initiating corrective actions for had better team results
  • Timely managing vendor’s bill payment
  • Help to motivate external employee by providing certificate on their monthly performance
  • Managing BPMS (Audit) by preparing monthly performance, receipt reconciliation, ID cards etc
  • Ensuring to crack or settle accounts immediately that repeats and hits delinquency every month
  • Ensuring team increments and promotion timely to motivate the team spirit
  • Interacting with other departments like Credit, Sales, and Customer Service to resolve the customer issues and complaints
  • Working on delinquent's accounts and try to normalize them instead of stabilizing it
  • Educating customers about the product and its features along with benefits of maintaining relationship with the financial services provider
  • Reports to compliance departments if any suspicious transaction happens
  • To tie up with legal department and lawyers, receiver appointed by High court also attending the court hearings for getting the possession and liquidation of assets for defaulting clients
  • To prepare loss write-off for the repossessed assets once sold and claim for the loss amount

Manager-Collections- Secured Loan

Gallup Collection
New Delhi
12.2010 - 12.2012
  • Looking after Collections, Servicing and Reconciliation of Strategic & Key accounts for Delhi, NCR
  • To prepare the collection plan for my allocated portfolio cases
  • Looking after re-possession of assets by implementing legal tools
  • To maintain healthy relationship with clients even if they are delinquent and in process also recover overdue Amount from them
  • Servicing all customers for reconciliation and day today activity like TDS issues, ODC details
  • Handling escalated calls and difficult customer situation
  • Implementing different tools to keep flow of buckets in control
  • To deliver delinquency targets by implementing all tools of collection and recovery
  • Risk Analysis for overdue accounts (product wise) for better control of delinquency
  • Driving the team to get best out of them and keeping the team as a closely-knit unit
  • Reviewing and resolving cases with support of other functional domain like Legal & Operations

Supervisor -Collections

Pacific Enterprises
New Delhi-NCR
05.2007 - 12.2010
  • Looking after collections of Delhi, NCR
  • To prepare the collection plan for my allocated portfolio cases
  • Looking after re-possession of two-wheeler by implementing legal tools
  • Handling escalated calls and difficult customer situation
  • Solving of all reconciliation issues related to the loan accounts
  • Handling all cycles along with the 8 executives
  • To deliver delinquency targets by implementing all tools of collection and recovery
  • Auditing the Receipt books, Repossession Kits, ID card registers
  • Update timely case-to-case trails in finnone

Education

Graduate -

Delhi University
01.2011

12TH -

C.B.S.E Board
01.2006

10TH -

C.B.S.E Board
01.2004

Skills

  • Conversant with MS Office, MS Windows, Internet Applications, Deep knowledge in excel
  • Team leadership experience
  • Legal compliance awareness
  • Debt recovery expertise
  • Portfolio monitoring
  • Goal oriented approach
  • Performance metrics evaluation
  • Strong negotiation skills

Accomplishments

  • Always added responsibility in my functional domain.
  • I have done 70k Negative NCL in Month of March-2019.
  • Pen India Haryana team create the History Record Collected 10Lac cash collection in bkt-6+ in one day in month of March-2019.
  • Continually 3 month (Aug, Sep & October) given Budget NCLTarget.
  • Received Best Collection Manager award from North region Oct-2015 to March-2016 Reliance Capital Ltd.
  • Received star performer for the month of Jan 16 and July 15. Reliance Capital Ltd.

Languages

  • English
  • Hindi

Personal Information

  • Father's Name: Mohd.Ashif
  • Date of Birth: 10/24/87
  • Nationality: Indian

Timeline

Collection Manager- PL BL AND OD PL BL

TATA CAPITAL LTD
12.2021 - Current

Assistant Collection Manager- Retail Tw

MUTHOOT CAPITAL SERVICES LTD
12.2019 - 03.2021

Associates Collection Officer- Retail Tw

HERO FINCORP LTD
05.2018 - 12.2019

Branch Collection Manager-Infrastructure Finance

RELIANCE CEMMERCIAL PVT LTD
12.2012 - 05.2018

Manager-Collections- Secured Loan

Gallup Collection
12.2010 - 12.2012

Supervisor -Collections

Pacific Enterprises
05.2007 - 12.2010

Graduate -

Delhi University

12TH -

C.B.S.E Board

10TH -

C.B.S.E Board

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JAVED KHAN