KAMLESH LADHANI
Cluster Collection Manager
Surat
Summary
To purpose a challenging career and be a part of progressive organization that gives scope to enhance my knowledge, skill in reach pinnacle in this field. And provide active participation in development of the company by hard work and devotion. Lead by example and ensure the execution of Operations Activities. I sincerely believe that honesty; sincerity, hard work and acceptability lead a business professional to the top echelon of the executive ladder. I constantly seek quality working environment where my knowledge and experience can be shared and enriched. I aspire to be an ambitious executive with these virtues. Results-driven Collections experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach.
Overview
11
11
years of professional experience
3
3
years of post-secondary education
Work History
Cluster Collection Manager
UGRO Capital Limited
Surat
02.2023 - Current
- Implemented process improvements that increased team morale while maintaining a high level of professionalism within the department.
- Worked closely with legal counsel to pursue necessary actions against non-compliant debtors, ensuring company interests were protected at all times.
- Negotiated settlements with customers experiencing financial difficulty, preventing potential litigation costs and preserving client relationships.
- Managed a diverse portfolio of accounts, ensuring timely collections and minimizing losses.
- Increased recovery rate by consistently meeting and exceeding targets set by management.
- Joined as BCM and got promoted as CCM within 6 months.
- Handled staff capacity of 12 CO and 1 BCM.
- Look after bucket 0- NPA for secured and unsecured accounts
Branch Manager
MAHINDRA HOME FINANCE
Navsari
07.2022 - 02.2023
- Managing sales of Affordable Home loan of ticket size 15 lac plus
- Managing sales of Rural Premium Home loan of ticket size 3 to 15 lac
- Managing sales of Rural Home loan of ticket size upto 3 lac
- Handling Collections of Fresh loans moving in all bucket till 1.5 years of loan disbursement
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Maintained friendly and professional customer interactions
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes
Area Collections Manager
JANA SMALL FINANCE BANK
Surat
05.2021 - 06.2022
- Managing entire Par Collections
- Handling team of CNRO for par Reduction and collections
- Responsible for Cross sell for MHL, AHL, GOLD LOAN , TWO WHEELER LOAN, INSURANCE.
- Handling Customer Loan Processing
- Handling entire Sales and Collections profile of all types of products of Bank.
- Handling KYC process and Field Verification team for loan processing
- Developed strong relationships with clients, fostering trust and improving communication channels for future negotiations
- Reduced delinquency rates by proactively addressing customer payment issues and providing tailored solutions
- Implemented training programs for new hires, ensuring consistent practices across the department
Territory Operations – Zonal Operations Manager
Airan Limited
Surat
12.2013 - 05.2017
- Managing entire Operations of Multiple Branches in South Gujarat Territory
- Handling Huge Team of Data Entry Operators & Pickup Executives(350) with Team of >15 Manpower (Supervisors + Branch Incharge)
- Responsible for Cost Efficiency of Territory
- Handling Customer Application Form (CAFs) compliance/Audit
- Adhere to Client Data Entry TAT
- Customer Application Form (CAFs) Audit and Data Entry Quality Check as per Norms
- Ensure end to end process from CAF pick up to CAF
- Manpower Productivity and Effectiveness
- Meeting clients regularly, understanding pain areas & Solve the same
- Reporting of entire health check of process being followed at respective branch
- Review of Branch Incharge/Supervisor
- Process Includes, Caf Management, Data Management, Cash Management etc.
- Handling ICICI, KOTAK, AXIS, SBI, RBL, HDFC, SARASWAT Banks cheque pickup and cts processing.
- Handling Paytm, Kotak 811 and World line KYC process with Airtel, HDFC, Idea AVCV
Education
Bachelor of Business Management - Business Management
CMJ University Meghalaya
Mehghalaya 06.2010 - 04.2013
Skills
Communication
Team & Relationship Management
Customer Service Management
Complaint Handling & Resolution
Collection & Retention
Team building & Training
Multiple Branch Operations
String Work Ethic
Debt recovery expertise
Problem-Solving
Time Management
Multitasking
Portfolio Management
Patience and Persistence
Client Confidentiality
Teamwork and Collaboration
Height
5'9"
Fathername
Sh. M.A.Ladhani
Fatheroccupation
Textile Business (Adarsh Market)
Mothername
Smt. Rakhi Devi Ladhani
Communicationlanguages
- English
- Hindi
- Gujarati
Maritalstatus
Married
Personal Information
Date of Birth: 10/05/79
Timeline
Cluster Collection Manager
UGRO Capital Limited
02.2023 - Current
Branch Manager
MAHINDRA HOME FINANCE
07.2022 - 02.2023
Area Collections Manager
JANA SMALL FINANCE BANK
05.2021 - 06.2022
Territory Operations – Zonal Operations Manager
Airan Limited
12.2013 - 05.2017
Bachelor of Business Management - Business Management
CMJ University Meghalaya
06.2010 - 04.2013
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