Kapil Matta
Ramesh Nagar West Delhi New Delhi
Summary
Skilled in managing both consumer and commercial accounts for timely collections. Well-versed in negotiating payment arrangements, understanding financial hardships, and maintaining respectful yet persuasive communication with clients. Strong analytical skills to track payments effectively and resolve billing discrepancies, contributing to improved cash flow and reduced delinquencies in previous roles. Adapt at fostering positive relationships with customers, enhancing client retention and satisfaction.
Overview
20
20
years of professional experience
Work History
AVP Collections Pan India
Revfin Capital
New Delhi
12.2024 - Current
- Developed and implemented strategic plans to achieve company objectives.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
- Resolved escalated disputes between customers and the company concerning collections matters.
- Conducted reviews and evaluations for cost-reduction opportunities.
- Developed and improved procedures for collection of past due amounts.
- Collaborated with legal department to initiate litigation against delinquent customers when necessary.
- Developed procedures to ensure timely collection of payments from customers.
- Advised senior management on best practices related to collections policies.
- Oversaw and trained new employees on collection methods, documentation requirements and performance strategies.
- Completed investigations of customer accounts and payment histories.
- Collaborated with legal resources and recovery teams to manage default issues.
- Contacted insurance companies to check status of claim payments.
- Located and notified customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.
- Located new addresses of delinquent customers through research, contacting credit bureaus or by questioning neighbors.
- Negotiated payment arrangements with delinquent customers while ensuring company policies were followed.
- Advised delinquent customers on strategies for debt repayment.
- Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
- Monitored customer payments, credit limits, and collection activity in assigned region.
- Researched customer disputes and resolved issues with customers regarding payment of invoices.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Prepared weekly reports outlining regional collections performance versus goals set by upper management.
- Organized and managed collection activities for assigned accounts across multiple states.
Regional Collection Manager
Hinduja Housing Finance
New Delhi
09.2022 - Current
- Heading North and East India delinquency soft and hard buckets.
- Handling all housing loan products HL / LAP / Composite Loan / Take over.
- Controlling delinquency portfolio size of 6000 accounts for North & East with Pos value of 900 crores across buckets.
- Sarfaesi Initiation on potential cases as per act.
- Coordination with legal team for timely legal action.
- Daily review with ACM and Clusters, Weekly Zoom Meetings with team to understand their concerns and gap in performance and fill same on time.
- Monthly visits on different clusters / branches to motivate team and review portfolio and visits from ground level.
- Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
- Established procedures for collection of past due amounts.
- Facilitated successful internal and external audits through sound and thorough documentation.
- Conducted investigations of customer accounts and payment histories.
- Researched and resolved accounts payable discrepancies.
- Successfully implemented new technologies and process automations to encourage continuous improvement.
Regional Collection Manager
NeoGrowth Credit Pvt Ltd
New Delhi
11.2021 - 09.2022
- Roles Responsibility & Achievements as North & East India Recovery Head.
- Was handling write-off pool of SME Business Loan Unsecured Product for entire North and Eastern part of India.
- Was taking care 240+ DPD Pool till Infinity. Having delinquency of pool size of around 80cr with number of cases would around 1000 cases.
- Ticket size starts from 10 lacs and the maximum funded amount was one crore.
- Maintaining write off recoveries / Projection’s vs Targets / Litigations / Coordination with Legal Team / MIS submission and improvement of cases to be submitted on daily basis to management.
- Personally visits on High Pos cases and Mediation Centre, attending all court matters of big and disputed corporate cases was routine of work.
- Raising settlement’s on time post meeting with clients to understand their concerns, Joint visits with colleagues to resolve the cases.
- Regularly attending hearing of all respected courts and matters which listed in NCLT and Arbitration / Execution /138 / Sec 17 etc.
- Received many Rewards n Recognition in tenure with NeoGrowth which were specially announced by CEO and HOD.
- Have created the benchmark after achieving highest recovery ever for North.
- Checks the quality of subordinator's responsibilities work and tracking their quality of work.
- Keep checking on the entire process whether working in a proper way on time and fill in the loops where coordination is required.
Area Collection Manager
Volkswagen Financial Services
New Delhi
07.2018 - 11.2021
- Volkswagen Financial Services. Roles Responsibility & Achievements as Area Collection Manager (State Head).
- Was handling in-house team for NPA & Write-off cases along with collection agencies for Bkt X to Non pot for Delhi NCR / Haryana / Rajasthan as Area Collection Manager.
- Having delinquency of pool size of around 100cr in retail funding, pool size was excluding corporate wholesale cases and cases which company has already written off in books for car finance and commercial vehicles all T&B.
- Handling all products of company and products which comes under Volkswagen Group are Audi / Porsche / Skoda / Ducati (Bike) /Bugatti / Scania (Bus) / MAN (Truck) / Volkswagen / Lamborghini / VW Commercial Vehicles and captive and non-captive used car cases also.
- Taking care of Delhi NCR / Haryana & Rajasthan delinquency number were around 1200 cases.
- Personally monitor cases which are in pot loss moving NPA and Settlement / rollback of cases which already booked in NPA to reduce Net Impact of losses and to reduce provisioning of company Maintaining NCL / GCL Net impact, Npa Rollbacks, Pot loss, Penal collection, Repossessions, Delinquent numbers, LWO recovery / Projections vs Targets / Litigation / Coordination with Legal Team / MIS submission and improvement of cases to be submitted on daily basis to management.
- Personally visits on High Pos cases and Corporate cases was routine of work for better understanding issue of not paying and to come up with resolution post meeting with clients.
- Joint visits with colleagues to crack cases and regularly attending hearing of all respected courts and matters which listed in NCLT and Arbitration / Execution /138 / Sec 9 and ETC.
- Received many Rewards n Recognition in tenure with VW which were specially announced by MD India.
- Checks quality of subordinator's responsibilities work and tracking their quality of work. Keep checking on entire process whether working in proper way on time and fill in loops where coordination is required.
Magma Housing Finance / Magma Fincorp Ltd.
State Head
New Delhi
08.2015 - 07.2018
- Was Handling team for 10 Inhouse SRC's for Delhi Haryana and Punjab location as ACM.
- Was taking care of 90+ portfolio till Infinity (Vintage) for Delhi/NCR & Punjab.
- Was Handling Npa book size of 50cr for HL,LAP,SME,SCE,New Car,Used Car,CV,CE,SUV & Tractors.
- Personally allocate cases to SRC in POC for field & court attendance either it is Sec-9, Sec 138, warrant execution, kurki,Chaspa Pasting, Sarfaesi Act & Etc then review same on daily basis at Eod.
- Personally monitor and visit high pos cases which are moving in Npa to reduce losses.
- Activity on regular basis like Npa Resolution/Rollbacks , Repossession, Emi Collection, Vehicle Tracing, Sec 14 Possessions in Sarfaesi Act Legal Litigation Movement on every cases MIS submits to management.
- Repossession and billing of vendors and rest repo activity handles personally.
- Give motivation to team and joint visits with them regularly to meet parameters of them also.
- Achieved entire parameters of collection in month of Dec-15 and came in Top 10 list in pan I India.
- After getting permission in Dec 2015 for Sarfaesi Act I have taken first possession of property in pan India for one of high od pos customer of Delhi Branch and resolve case in DRT and set example for team.
- Checks quality of subordinator’s responsibilities work and tracking their quality of leads.
- Keep checking on entire process whether working in proper way on time and fill in loops where coordination is required.
- Working for Magma as Area Collection Manager with Magma Fincorp / Housing Finance Ltd.
Kotak Mahindra Prime Ltd.
Branch Collection Manager
New Delhi
08.2007 - 08.2015
- Was Handling team for 5 on roll & 5 off roll employees for Surat location in Gujarat and prior to this was posted at Gurgaon location as BCM.
- The KMPL Surat having business of 30cr for car finance which include used car, new car, refinance & car pl was taking care of Surat delinquency number around 1700 cases with respected bkt managers.
- Personally monitor cases which are moving in pot loss to reduce LTR Monthly pot loss, penal repo, delq numbers, lwo targets and MIS submits to management.
- Repossession and repo sold activity to be handle personally have completed one year in Surat location and achieved targets and got 10 appreciation certificates in FY 14/15.
- Auditors had given 5 rating out of 5 for Surat branch as well maintained branch for FY 14‑15
- Our Lwo (write off)recovery was highest in entire Gujarat for last FY 14‑15. Received many Rewards n Recognition in my tenure with KMPL which were specially announced by CEO & BH.
- Checks quality of subordinator's responsibilities work and tracking their quality of leads.
- Keep checking on entire process whether working in proper way on time and fill in loops where coordination is required.
ICICI BANK
Collection Manager
New Delhi
08.2006 - 08.2007
- Was handling the portfolio of ICICI Bank STPL Collections Bkt‑0, 2 and 7+ Sep 2006 - Aug 2007.
- Handling 3 Agencies and use to do personal visit at customers place when customer refuses to pay and visits on dispute cases.
- To maintain coordination in the whole process and to check whether timely visit is done in the field resolving issues related to field.
- Checking productivity through MIS also taken some responsibilities like Receipt Recon, Agency Bills, RCU, Visit entry, AD, ECS, SOA checks.
Pace Setters Pvt Ltd
Operational Manager
New Delhi
02.2005 - 08.2006
- Manager, Operations, Collections, Sales, and Retention, PACE SETTERS CALL CENTRE PVT LTD, Delhi, Feb 2005 - Aug 2006.
- Handling a team of 95 people on the floor for retention, collection, and P2P Sales Dept.
- Handling customers' problems used to give training to telecallers about CRM software. Help them in tagging and supervising telecallers and IT personnel.
- Attending mock calls and guiding them about the weak points of telecallers, as well as educating them about product knowledge.
- Checking productivity through MIS, maintaining discipline, and taking care of punctuality, seriousness, and their attendance.
- Checking their responsibilities and work, and tracing the quality of leads. T
- To maintain coordination in the whole process and to check whether a timely visit is done in the field, resolving issues related to the field.
- Tracking problems in documents collected, and why E-Pos was not done.
- Feedback should be given on time, checking a lot of allocations.
- Keeping check on the whole process to ensure it is working properly and on time, and filling in loops where coordination is required.
- Identified needs of customers promptly and efficiently.
- Achieved cost-savings by developing functional solutions to problems.
Education
MBA - Finance
NIMS University
Bachelor of Arts -
VBS University
Skills
- Strong in MS Access and Excel
- Past-due balance management
- Analytical reasoning
- Customer Relations
- Audits understanding
- Invoicing expertise
- Ethical approach
- Partnership development
- Account reconciliation
- Strategic planning
- Growth planning
- Revenue generation
Interests
Watching Movies / Workout in Gym / Travelling
Nationality
Indian
Gender
Male
Personal Information
Title: Regional Collection Manager
References
Mr.Ripudaman Singh Gill (Head Collections & FCU) at Godrej Housing Finance. Contact # 9004377008
Mr.Sorabh Malhotra (Chief Risk Officer Collections & RCU) at Avanse Financial Services. Contact # 9823964871
Mr.Vivek Kannan (Chief Operating Officer) at Hinduja Housing Finance. Contact # 7893688662
Date of birth
26-October-1983
Marital Status
Happily Married and blessed with a Baby Girl
Timeline
AVP Collections Pan India
Revfin Capital
12.2024 - Current
Regional Collection Manager
Hinduja Housing Finance
09.2022 - Current
Regional Collection Manager
NeoGrowth Credit Pvt Ltd
11.2021 - 09.2022
Area Collection Manager
Volkswagen Financial Services
07.2018 - 11.2021
Magma Housing Finance / Magma Fincorp Ltd.
State Head
08.2015 - 07.2018
Kotak Mahindra Prime Ltd.
Branch Collection Manager
08.2007 - 08.2015
ICICI BANK
Collection Manager
08.2006 - 08.2007
Pace Setters Pvt Ltd
Operational Manager
02.2005 - 08.2006
MBA - Finance
NIMS University
Bachelor of Arts -
VBS University
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