Kaushik Chauhan
Vadodara
Summary
Regional Collection Manager with expertise in overseeing collection operations across diverse regions. Proven ability in strategic planning, team leadership, and compliance management. Achievements include developing successful collection strategies that enhance process efficiency and significantly reduce delinquency rates.
Overview
22
22
years of professional experience
Work History
Senior Regional Collection Manager
Poweredge Analytics and Services Private Limited
Vadodara
10.2024 - Current
- Managed regional collection activities to ensure timely payment processing.
- Developed and implemented effective collection strategies for diverse client accounts.
- Trained team members on collection best practices and compliance guidelines.
- Manage 5 states (Gujarat, Rajasthan, Delhi, Punjab, and Maharashtra).
- Provided guidance and training on best practices in accounts receivable management to new team members or other departments within the organization.
- Monitored team performance metrics to support operational goals and objectives.
- Ensured compliance with applicable laws related to consumer protection and fair debt collection practices.
- Manage productivity by fixing productivity parameters for the Collections team and off-roll employees.
- Monitoring performance against set parameters.
- Conducting daily reviews of Area Managers and RCMs, and monthly reviews of collections.
- Recruit Collections Officers and Area Managers.
- Prepared weekly reports outlining regional collections performance versus goals set by upper management.
- Organized and managed collection activities for assigned accounts across multiple states.
Senior Area Collection Manager
Bajaj Finserv
Surat
03.2021 - 09.2024
- Achieved monthly collection targets through effective management of three managers and nine PSF.
- Trained staff on compliance regulations and collection techniques.
- Motivated team members to address performance challenges and enhance productivity.
- Coordinated with RO to resolve chronic cases efficiently.
- Supervised cash collection procedures, ensuring daily cash deposits were maintained.
- Established daily, weekly, and monthly collection targets for improved accountability.
- Reported collection metrics to Cluster and RCM for strategic oversight.
- Enhanced customer service standards, fostering a robust service culture within the collection team.
- Collaborated with sales and RCU teams to address problematic cases, visiting dealers to facilitate issue resolution.
Collection Manager
Yes Bank LTD
Surat, Bharuch, Ankleshwer, Valsad, Vapi
10.2020 - 02.2021
- Managed 0-NPA bucket flow for products AFH, MOR, and LAP.
- Supervised one manager and two agency personnel across multiple locations.
- Coordinated with legal team to address chronic NPA cases.
- Oversaw cash collection procedures, ensuring daily deposits met standards.
- Established daily, weekly, and monthly collection targets.
- Delivered reporting on collections to RCM for performance monitoring.
- Enhanced customer service standards within collection team for improved outcomes.
- Collaborated with sales, RCU, and credit teams to resolve problematic cases.
Area Collection Manager (SF FLOW T3)
Bajaj Finserv
ANAND, BHARUCH, DAHEJ, ANKLESHWER, VALSAD, VAPI
05.2015 - 10.2019
- Managed all aspects of bucket SF Flow T3 Collection with zero to one bucket handling.
- Supervised six managers and 52 DCA staff, ensuring effective team performance.
- Coordinated agency allocation across multiple locations to optimize operations.
- Oversaw cash collection procedures, maintaining daily cash deposits.
- Established daily, weekly, and monthly collection targets to drive performance.
- Reported collection metrics to RCM and ZCM for strategic analysis.
- Enhanced customer-driven behavior standards while fostering a strong service culture within the collection team.
- Collaborated with sales and RCU teams on problematic cases; visited dealers to resolve collection issues.
Team Leader( Payroll E-Nxt Finance Limited)
Tata Motors Finance Ltd
Anand, Nadiad, Bharuch, Ankleshwar, Dabhoi, Dakor, Kheda, Chhotaudepur, Rajpipla, Khambhat
08.2014 - 05.2015
- Developed and managed collections for commercial wheel loans across multiple locations.
- Handled accounts in Anand, Nadiad, Bharuch, Ankleshwar, Dabhoi, Dakor, Kheda, Chhotaudepur, Rajpipla, Khambhat, and others.
- Collected and reported daily performance metrics from 14 locations to management.
- Maintained 94% efficiency across all collection sites.
- Trained and developed collection teams to enhance performance in various locations.
- Allocated tasks to executives and ensured timely updates in the system.
- Managed all MIS related to collection operations.
- Monitored daily collection figures of field executives for accurate reporting.
Branch Collection In Charge (Agency Manager)
Fullerton India Credit Co Ltd
Anand, Nadiad
11.2012 - 08.2014
- Developed and managed collections and recovery for T/W, PL, and MORG loans.
- Supervised credit risk inquiries and monitored delinquent collection activities.
- Planned and implemented collection policies across branch operations.
- Directed daily activities of Collections Team and external agencies.
- Organized target statistics and prepared reports for senior management.
- Established repayment arrangements to minimize losses and facilitated repossessions.
- Initiated bankruptcy proceedings, charged off accounts, and routed accounts for recovery.
- Identified write-off accounts, reviewed overdue balances, and transferred delinquent accounts to collection agencies.
Branch Collection In Charge
Fullerton India Credit Co Ltd
Anand, Nadiad
07.2007 - 05.2012
- Developed and managed collections strategy to enhance recovery rates.
- Supervised credit risk inquiries for clients, monitoring delinquent accounts closely.
- Planned collection policies and ensured effective implementation across teams.
- Trained and evaluated team members, providing performance feedback and counseling.
- Directed daily operations of Collections Team to optimize efficiency.
- Organized regular statistical reports on targets for senior management review.
- Initiated bankruptcy proceedings and managed charge-offs for non-recoverable accounts.
- Negotiated loan repayment restructuring and initiated repossession for overdue accounts.
Sr, Executive (Personal Loan)
KOTAK MAHINDRA BANK Ltd
Vadodara
11.2006 - 06.2007
- Collected and analyzed market data to support strategic decision-making.
- Ensured timely recovery of outstanding accounts to enhance cash flow.
- Maintained operational efficiency above 98% in Baroda through effective management.
Team Leader (City Bank Home Loan)
JND Communication
Vadodara
03.2005 - 10.2006
- Facilitated public relations and client interactions to enhance engagement.
- Managed billing formalities to ensure accuracy and compliance.
- Executed bank-related tasks alongside various secretarial responsibilities.
- Maintained general office records and audit data for streamlined operations.
- Collected and analyzed market information to inform strategic decisions.
- Prepared regular management information system reports for performance appraisal.
- Achieved over 96% efficiency in operational processes at Baroda.
Supervisor Cum Office Asst. (City Bank Personal & Auto Loan)
D.S.Agency
Vadodara
02.2004 - 01.2005
- Ensured timely follow-ups for recovery and Gcl processes.
- Managed billing and collection procedures alongside related formalities.
- Executed banking tasks efficiently to support financial operations.
- Maintained comprehensive general office records for operational transparency.
- Prepared regular Management Information Systems reports for management appraisal.
Sr, Executive (Credit Card)
S.C.B. (In house)
Vadodara
06.2003 - 12.2003
- Recovered vintage case and R off case assets efficiently.
- Distributed state cards in executive statement of account accurately.
Education
GDBA -
International Distance Education Academy
Ahmedabad10.2010
HSC -
Gujarat Board
Diwada Colony, Panchmahal03.1995
SSC -
Gujarat Board
Thasra, Dist : Kheda03.1993
Bcom -
Eastern Institute For Integrated Learning in Management University
VadodaraSkills
- Computer: MS Excel, Word
- Collection strategy
- Team leadership
- Customer service
- Employee training
- Goal oriented
- Strong negotiation skills
- Quality standards compliance
- Work Planning and Prioritization
- Problem-solving aptitude
- Terms review and enforcement
Languages
English, Hindi, Gujarati
Experience
24+ years of rich experience in retail asset products of banks, in managing delinquency, recoveries, and collections of loan products
Hobbies and Interests
Sports, Music, traveling
PERSONAL PROFILE
- Full name: Kaushik N. Chauhan
- Permanent address: C-102 Anand Vatika, Opp, Sapath Flat, Umeshwari Bungalow, New Alkapuri, Gotri, Vadodara-21
- M No: +91 997-890-8907
- Date of birth: August 10, 1978
- Birth place: Bhuj, Kutch
- Nationality: Indian
Disclaimer
As an experienced professional, I have demonstrated strong leadership skills Have consistently built large teams and have a strong bias to deliver and drive results in a high-performance environment
Languages
Gujarati
First Language
English
Beginner
A1
Hindi
Beginner
A1
References
References available upon request.
Timeline
Senior Regional Collection Manager
Poweredge Analytics and Services Private Limited
10.2024 - Current
Senior Area Collection Manager
Bajaj Finserv
03.2021 - 09.2024
Collection Manager
Yes Bank LTD
10.2020 - 02.2021
Area Collection Manager (SF FLOW T3)
Bajaj Finserv
05.2015 - 10.2019
Team Leader( Payroll E-Nxt Finance Limited)
Tata Motors Finance Ltd
08.2014 - 05.2015
Branch Collection In Charge (Agency Manager)
Fullerton India Credit Co Ltd
11.2012 - 08.2014
Branch Collection In Charge
Fullerton India Credit Co Ltd
07.2007 - 05.2012
Sr, Executive (Personal Loan)
KOTAK MAHINDRA BANK Ltd
11.2006 - 06.2007
Team Leader (City Bank Home Loan)
JND Communication
03.2005 - 10.2006
Supervisor Cum Office Asst. (City Bank Personal & Auto Loan)
D.S.Agency
02.2004 - 01.2005
Sr, Executive (Credit Card)
S.C.B. (In house)
06.2003 - 12.2003
GDBA -
International Distance Education Academy
HSC -
Gujarat Board
SSC -
Gujarat Board
Bcom -
Eastern Institute For Integrated Learning in Management University
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