KISHOR J. MAHAJAN
Mumbai
Summary
Experienced Collections & Resolution Leader with over 20 years managing multi-state operations and diverse loan portfolios. Specialises in delinquency reduction, legal recovery processes, asset disposal, and compliance. Expertise in building high-performing teams and enhancing recovery efficiency.
Overview
19
19
years of professional experience
Work History
Zonal Resolutions Manager
Equitas Small Finance Bank
West Zone
08.2025 - Current
- Driving zonal delinquency reduction strategies with strong monitoring and process adherence.
- Enhancing legal recoveries through SARFAESI, Arbitration, Sec 138 and other legal tools.
- Leading collections for Micro Mortgage Loans and Merchant OD portfolios from Bucket 0 to Write-Off.
- Managing a large team including 1 Regional Receivable Manager, 11 Area Receivable Managers, 30 Branch Receivable Managers and 250+ field officers & Legal Team.
- Implementing training, performance reviews, and operational discipline.
- Monitored staff performance and developed improvement plans.
Regional Resolutions Manager
ICICI Home Finance Company Ltd.
Mumbai
04.2023 - 08.2025
- Led multi-level teams and ENF agencies to achieve recovery targets across Mumbai.
- Improved operational compliance, audit scores, and collection efficiency.
- Managed Affordable & Prime Mortgage portfolios from Bucket 0 to Write-Off for Mumbai Zone
- Developed and delivered comprehensive training programmes, improving team skills and performance.
- Implemented process enhancements and supported cross-functional collaboration.
Regional Collection Manager
Aditya Birla Housing Finance Ltd.
Pune
06.2021 - 03.2023
- Managed Affordable, Prime & Construction Finance portfolios across Maharashtra and Mumbai region to optimise collection outcomes.
- Strengthened collection strategies and supported delinquency reduction.
- Led teams through structured monitoring, training, and workflow improvement.
- Committed to achieving results and enhancing operations through consistent effort and dedication.
- Ensured clean, safe working environments, reducing accident risks and enhancing team safety awareness.
Area Collection Manager
Axis Bank Ltd.
CH. Sambhaji Nagar
02.2016 - 06.2021
- Achieved high collection efficiency and improved bucket performance.
- Managed mortgage, auto, CE & CV loan portfolios across Maharashtra, enhancing collection strategies outside major cities.
- Ensured audit discipline, customer handling standards, and process compliance.
- Resolved customer queries through clear communication, delivering precise solutions to enhance customer satisfaction.
- Took on additional responsibilities to support team objectives and contribute to overall success.
Branch Collection Manager
Tata Motors Finance Ltd.
Goa
12.2014 - 02.2016
- Led CV & Auto loan debt collections with a team of 15 field officers, ensuring effective recovery processes.
- Collaborated with team members to consistently meet and exceed target results.
- Improved roll-back performance while ensuring minimal losses.
- Trained and mentored employees, enhancing their skills to improve overall team performance.
- Handled customer concerns and escalated major issues to supervisor.
- Maintained clean, safe working environments to eliminate accident risks.
Deputy Manager – Collections
HDFC Bank Ltd.
Pune
11.2009 - 12.2014
- Managed Credit Card recovery operations across Pune & Jalgaon Dist, enhancing recovery rates.
- Led agencies and in-house callers, ensuring adherence to targets and performance standards.
- Ensured compliance, audit readiness, and productivity improvements.
- Cultivated work environment focused on personal responsibility, continuous improvement and delivering high-quality results.
- Resolved customer complaints professionally, contributing to sustained high satisfaction levels.
Collection Manager
GE Money Financial Services Ltd.
Goa
10.2007 - 11.2009
- Oversaw collection operations, leading a team of 10 field officers and agencies to optimise debt recovery processes and meet collection targets.
- Met monthly collection targets to ensure financial stability.
- Managed Auto, TW, PL, Consumer Finance & Cash Card portfolios in Goa, ensuring alignment with organisational collection strategies.
- Conducted training sessions for new staff on best practices in debt collection, which improved overall team efficiency.
- Trained teams and maintained MIS and compliance standards.
Field Risk Manager
Centurion Bank of Punjab Ltd.
Ahmednagar
04.2007 - 10.2007
- Coordinated repossession, skip tracing, and overdue reconciliations to streamline recovery processes.
- Managed Two-Wheeler collections from initiation to write-off stages in Ahmednagar district, ensuring recovery of outstanding debts.
- Collaborated with team members to meet monthly collection targets, enhancing overall departmental performance.
- Facilitated training sessions on risk awareness and prevention techniques for staff.
Education
B.Sc. -
Dr. Babasaheb Ambedkar Marathwada University
01-2004
HSC -
Aurangabad Board
SSC -
Aurangabad Board
Skills
- Collections Strategy & Execution
- Delinquency management
- Risk Management
- Compliance
- Legal tool expertise
- SARFAESI, Sec 138, PASA Act & Arbitration
- Portfolio Monitoring
- Asset disposal
- Agency Management
- Skip Tracing
- Data analysis
- Process Improvement
- Capability Building
- Team Leadership
- Training design
Languages
Marathi
Hindi
English
Timeline
Zonal Resolutions Manager
Equitas Small Finance Bank
08.2025 - Current
Regional Resolutions Manager
ICICI Home Finance Company Ltd.
04.2023 - 08.2025
Regional Collection Manager
Aditya Birla Housing Finance Ltd.
06.2021 - 03.2023
Area Collection Manager
Axis Bank Ltd.
02.2016 - 06.2021
Branch Collection Manager
Tata Motors Finance Ltd.
12.2014 - 02.2016
Deputy Manager – Collections
HDFC Bank Ltd.
11.2009 - 12.2014
Collection Manager
GE Money Financial Services Ltd.
10.2007 - 11.2009
Field Risk Manager
Centurion Bank of Punjab Ltd.
04.2007 - 10.2007
B.Sc. -
Dr. Babasaheb Ambedkar Marathwada University
HSC -
Aurangabad Board
SSC -
Aurangabad Board