Manpreet Kohli
Summary
Risk, collections, and recovery professional with 12+ years of experience, including 9+ years in collections and risk management with customer relationship management and team leadership. Area Collection Manager at Paytm for personal loan and merchant loan portfolios. Leads strategy for collection and recovery on pending unpaid loans through structured client advisories on payment options. Streamlines processes to improve efficiency and sustain high team performance.
Professional with solid background in collections management, driving efficiency and results through strategic planning and execution. Adept at negotiating and resolving complex cases, while fostering strong team collaboration and adapting to evolving requirements. Skilled in financial analysis, risk assessment, and customer relationship management. Known for reliability, integrity, and results-driven approach.
Overview
3
3
Languages
10
10
years of professional experience
Work History
Vendor Manager
Sbi Cards
New Delhi
05.2026 - Current
- Collaborated with team members to achieve target results.
- Managed complaints with calm, clear communication and problem-solving.
- Maintained clean, safe working environments to eliminate accident risks.
- Achieved service time and quality targets.
- Engaged with customers to better understand needs and deliver excellent service.
- Identified issues, analysed information and provided solutions to problems.
- Built and maintained courteous and effective working relationships.
- Handled customer concerns and escalated major issues to supervisor.
- Resolved customer queries and problems using effective communication and providing step-by-step solutions.
- Picked up additional tasks to aid team success.
- Enhanced working relationships by participating in team-building activities.
Area Collection Manager
Paytm
09.2025 - 09.2026
- Contributed to overall company strategy discussions regarding revenue generation and cost reduction methods.
- Evaluated staff development needs through regular performance assessments, offering opportunities for growth within the organization.
- Conducted regular account reviews, ensuring accuracy and compliance with established policies and procedures.
- Improved collection efficiency by implementing effective strategies and streamlining processes.
Sr.Manager
OneCard
06.2024 - 07.2025
- Oversawdailyperformanceofsupervisorsandcollectionagencies,ensuringalignmentwith monthly recovery targets and process adherence.
- DirectlyhandledhighPOS(PointofSale)andsensitivedelinquencycasestoensurequick turnaround.
- Conducted daily performance reviewsbasedonshortfalls, DRR,andcashreconciliationreports.
- DefinedandimplementedinnovativecashcollectiontargetsincollaborationwithManagers, Trainees, and agency partners.
- MaintainedandmonitoredReceiptBooks,RepoRegisters,andotheroperationaldocumentation for compliance and audit readiness.
- Performed cost tracker verificationand datavalidationforaccurate recoveryreporting.
- Successfullymanagedawrite-offpoolofapproximatelyINR80Cr,overseeingresolution strategies.
- Draftedandnegotiatedsettlementmemosandconsenttermstoexpediteclosureofchronic cases.
- Designedandexecutedtargetedrecoverystrategiesforvariousdefaultscenarios.
- KeyResponsibilities
- Collections&RecoveryOperations
Sr.Manager
IDFC FIRST BANK
09.2023 - 06.2024
- ControllingteamforAchievingMonthlyCollectionTargets&Process.
- HandleHighPos Casesdirectly.
- Monitoringtheday-to-daycollectionperformanceofallSupervisors&takingreview on that basis of Shortfall / DRR and cash closing and deposition.
- Settingtargetsfornewconceptregardingthecashcollectionandmakingco-ordination simultaneously to Managers, Trainees and Agency
- MonitoringReceiptBooks/Reporegisterstockreport,andstronglyfollowthecompany process and compliance policy
- CrossverificationofCostTrackerandvalidation.
- HandlingPoolofapprox.28Cr.Write off.
- Draftingsettlementmemosandsettlingconsentterms
- Conceptualizing&implementingrecoverystrategiesincaseofpaymentdefaults.
- Supervisingtheteamformanaginghighvaluefraudcases/defaulters/insolvent clients and initiating appropriate legal actions against them.
- Allocationofcases,capacityplanning,ensuringfieldvisits,curtailingflowratesand normalization of delinquent accounts.
- Devisingandeffectuatingriskpolicies&managingwiderisksandimplementing effective mechanisms to mitigate the same.
- Co-coordinatingwithlegaldepartmentforsendingthelegalnoticestothenon-paymentaccounts.
- Lodge FIR against the Fraud Cases.
- Monitoring accounts&developingreportstoensurecompliancewithlegalstatutes&initiating strong legal action in case of continuous payment default.
- Enhancingcustomersatisfactionmatrices&monitoringcustomercomplaints.
- Buildingandmaintaininghealthybusinessrelations,ensuringmaximumcustomersatisfaction.
- Recruiting,training&monitoringtheperformanceofteammemberstoensureefficiencyin collections, operations and meeting of individual & group targets.
- KeyDeliverables
- LegalAffairs
- CustomerRelationshipManagement
- TeamLeadership&Development
- TeamManagement
Manager
RBL BANK
11.2020 - 09.2023
- ControllingonSupervisorsandAgenciesforAchievingMonthlyCollectionTargets &Process.
- HandleHighPos Casesdirectly.
- MonitoringthedaytodaycollectionperformanceofallSupervisors&takingreviewon that basis of Shortfall / DRR and cash closing and deposition.
- Settingtargetsfornewconceptregardingthecashcollectionandmakingco-ordination simultaneously to Managers, Trainees and Agency
- MonitoringReceiptBooks/Reporegisterstockreport,andstronglyfollowthecompany process and compliance policy
- CrossverificationofCostTrackerandvalidation.
- HandlingPoolofapprox.28Cr.Write off.
- Draftingsettlementmemosandsettlingconsentterms
- Conceptualizing&implementingrecoverystrategiesincaseofpaymentdefaults.
- Supervisingtheteamformanaginghighvaluefraudcases/defaulters/insolvent clients and initiating appropriate legal actions against them.
- Allocationofcases,capacityplanning,ensuringfieldvisits,curtailingflowratesand normalization of delinquent accounts.
- Devisingandeffectuatingriskpolicies&managingwiderisksandimplementing effective mechanisms to mitigate the same.
- Co-coordinatingwithlegaldepartmentforsendingthelegalnoticestothenon-paymentaccounts.
- Lodge FIR against the Fraud Cases.
- Monitoringaccounts&developingreportstoensurecompliancewithlegalstatutes&initiating strong legal action in case of continuous payment default.
- Enhancingcustomersatisfactionmatrices&monitoringcustomercomplaints.
- Buildingandmaintaininghealthybusinessrelations,ensuringmaximumcustomersatisfaction.
- Recruiting,training&monitoringtheperformanceofteammemberstoensureefficiencyin collections, operations and meeting of individual & group targets.
- KeyDeliverables
- LegalAffairs
- CustomerRelationshipManagement
- TeamManagement
Manager
HDFC Bank
05.2020 - 10.2020
- Managingdelinquentaccountcollectionandestablishingtermsofpaymentaswell contacting people by phone / Field to inform them of an unpaid account.
- RecoveryManagement
- Conceptualizing&implementingrecoverystrategiesincaseofpaymentdefaults.
- Supervisingtheteamformanaginghighvaluefraudcases/defaulters/insolvent clients and initiating appropriate legal actions against them.
- Allocationofcases,capacityplanning,ensuringfieldvisits,curtailingflowratesand normalization of delinquent accounts.
- Devisingandeffectuatingriskpolicies&managingwiderisksandimplementing effective mechanisms to mitigate the same.
- Enhancingcustomersatisfactionmatrices&monitoringcustomercomplaints.
- Buildingandmaintaininghealthybusinessrelations,ensuringmaximumcustomersatisfaction.
- Recruiting,training&monitoringtheperformanceofteammemberstoensureefficiencyin collections, operations and meeting of individual & group targets.
- Conductingmeetingsforsettingupcollectionobjectivesanddesigningorstreamliningprocesses to ensure smooth functioning of collections and legal
- HandletheTeamof48Employees.
- Key Deliverables
- CustomerRelationshipManagement
- TeamManagement
TeamLeader
Axis Bank
10.2019 - 03.2020
- CollectionManagementforHighticketsizeBusinessLoanandPersonalLoanandpreviously in commercial vehicles & Home Loan Cases.
- Minimizingthenonpayingcustomers
- AgencyManagement
- Ensuringproperfollow-up
- Auditing
- Undertakinglegalactionsagainstthedefaulters
- Chiefresponsibilitiesentail
Supervisor
Wavesagency
08.2016 - 09.2019
- CollectionManagementforHighticketsizeCreditcardandPersonalLoanandpreviouslyin commercial vehicles & Auto Loan.
- Minimizingthenonpayingcustomers
- AgencyManagement
- Ensuringproperfollow-up
- Auditing
- Undertakinggroundsupport.
- Chief responsibilities entail
Education
MBA - Financial Management
Subharti University
Distance03-2023
Skills
Conflict resolution techniques
Relationship management
Skip tracing
Legal compliance
Account analysis
Decision-making skills
Call center operations
Credit reporting and risk assessment
Debt recovery strategies
Vendor management
Customer relationship management
Data analysis
- Compliance oversight
- Customer relationship management
- Data analysis
- Compliance oversight
Languages
English
Hindi
Punjabi
Custom
5,5,5,5,5,5,5,5,5,5,5
Timeline
Vendor Manager
Sbi Cards
05.2026 - Current
Area Collection Manager
Paytm
09.2025 - 09.2026
Sr.Manager
OneCard
06.2024 - 07.2025
Sr.Manager
IDFC FIRST BANK
09.2023 - 06.2024
Manager
RBL BANK
11.2020 - 09.2023
Manager
HDFC Bank
05.2020 - 10.2020
TeamLeader
Axis Bank
10.2019 - 03.2020
Supervisor
Wavesagency
08.2016 - 09.2019
MBA - Financial Management
Subharti University