Melvin Pinto
Assistant Vice President
Mumbai
Summary
Over 17 years of strong and blended experience in Financial Services as diversified as Banking-Retail and Digital Lending & Collections Currently working with Fintech startups in Digital Lending space for Collections to support our Rapid Lending and Collections process and enable a frictionless environment. Consistently introduced new monitoring systems and ensured ongoing review of existing fraud prevention/monitoring Collection techniques to adequately address odds faced by the business and reductions in NPA. ( vis-avis existing risk practices / guidelines / mechanisms ) frequently by being innovative and inducing out of the box ideas to contribute significantly Professional Experience: Collections Dpd wise portfolio analysis and running resolution targets handling third party Collections agencys Pan India & Setting up Managing Inhouse call Centers
Overview
19
19
years of professional experience
2
2
years of post-secondary education
4
4
Languages
Work History
AVP Digital Operation & Collections
Spocto Solutions Yubi (Formerly CredAvenue)
06.2022 - 01.2023
- Managing collections activities for write-off pools for clients such as Fullerton India, Kredit Bee, Indusind bank, and Bajaj Auto & Managing with 100 plus Teller Callers
- Orchestrated digital operations and streamlined collections processes, resulting in a 15% increase in overall efficiency and cost savings
- Spearheaded the implementation of advanced digital tools and technologies, leading to a 20% improvement in collection success rates
- Directed and mentored cross-functional teams to optimize digital operations and collections strategies, leading to a 25% reduction in outstanding dues and improved customer satisfaction
Assistant Vice President
State Bank Of Mauritius India Private limited
06.2022 - 11.2022
- Supervised collections activities for secured and unsecured loans, covering business loans, personal loans, home loans, loan against property, and credit cards
- Managed the transition of accounts from current status to non-performing assets (NPAs) and oversaw legal proceedings such as Section 138/13(2), 13(4), SARFAESI, etc
- Developed standard operating procedures (SOPs) for various channel partners to optimize collections and recoveries processes, leading to a 20% improvement in recovery efficiency
National Account Manager
Connect Business Solutions
03.2020 - 05.2022
- Contact center Management collections activities for Tel calling and Filed for Bucket X, 1 & 2 for IDFC credit cards and managing with 120 Callers and 364 plus field executives
- Managing collections activities Via Digital & Tel Calling methods of collection for soft buckets & write-off pool
- Successfully developed and managed strategic account plans resulting in a 15% increase in revenue within the first six months of joining
- Collaborated with cross-functional teams to streamline internal processes, reducing account management response time by 25%
Contact Center Manager
DMI Consumer Credit Private Limited
06.2018 - 03.2020
- Skip tracing for NCT customers, SME & P2P digital lending Clients, minimizing NP with high collections with the help of technology and reducing the manual cost incurred for BKT 1,2,3
- Managing agencies with 150 plus Teller Callers and Fos for collections activities, for West zone for Channel Partners such as Samsung Mobiles Credifiable, Money Tap, Eduvanz, Fisdom, India, Kissht, Lets Md Opta Credit, Paisa Bazar, Shubhloans
Assistant Manager Fraud Risk & Collections
Epay Later, Arthashastra Fintech Pvt Ltd
05.2018 - 04.2019
- Identifying and scrutinize Risks factors that will have an impact on the financial success of the business
- Proactive Review and Risk management skip tracing for NCT customer, exit of fraudulent accounts blacklisting them for B2R & B2C Customers and inhouse call centre management
Assistant Manager Fraud Prevention and Risk management
Fullerton India Credit Company Limited (NBFC)
04.2017 - 05.2018
- PAN India RBI Reporting Credit Risk Management and Fraud Prevention for Urban, Rural areas of business for HFC, CV, SME & BIL Loans, LAP, Mortgage, Personal Loans
- Hunter Uploading & Hunter Clearance Match and Catch report MIS KYC AML
- Performing checks on Employee Frauds, FCU, RCU RCSA, Vendor Vetting & Channel Vetting, Conducting- Pre- and Post-Monthly Loan Disbursements Verification Collections Checks for PAN India for Urban & Rural Lines of Business
- Proactive Review and Risk management and exit of stressed accounts, checks on TAB Sourcing Screening and Sampling, Checking on Screened Sampled and Reject Loan Case’s
Sr Manager Fraud Risk & Collections
Credit Mate Fintech Pvt Ltd. (Paytm)
05.2017 - 04.2018
- Collections / Risk management, skip tracing for NCT customers, exit of fraudulent accounts for B2R, B2C & P2P SME BL digital lending Clients, minimizing NP with high collections
- Managing 41 agencies with 300 plus Teller Callers and 650 Fos for collections activities Pan India For Clients PayTM_SME, PayTM Postpaid, Indifi, Red-Carpet, Rupee Ready, Shubhloans Flexsalary and Branch International Money Tap, Zest money, Stash fin & Capital Float
Senior Credit Risk & Fraud Prevention Analyst
AMERICAN EXPRESS
03.2005 - 10.2008
- Credit Risk Management & Fraud Prevention collections (Responsible Lending) to perform duties, using quantitative analysis, statistical models, and valuation tools and techniques
- Identifying and Investigating Fraud/Forgery and theft within customers’ accounts and transactions on behalf of the bank tracking and monitoring the banking transactions and activity that comes through the customers’ accounts, verification of suspected and fraudulent charges and unauthorized access to customers’ accounts or changes to their demographics
Financial Advisor & Relief Team Manager
JP Morgan and Chase
03.2004 - 10.2008
- Sales to service Providing Complete Assistance to the customers through inbound servicing with up selling and Collections Process: IDQ Providing Complete Technical Assistance to the customers through inbound servicing
- Mentoring and providing assistance to New Hires on the floor (OJT) I Been a Relief Team Manager Secondment role & SME, I have had a experience of Handling a Team which consists of 16 to 22 Advisors and work on their opportunities and develop them in defined period of time
Senior Lead Advisor
3 Global Services Pvt Ltd
01.2004 - 01.2005
- Providing training on the new launch applications
- Mentoring and providing assistance to new hires on the floor (OJT)
- TSI Technical Support India Providing Complete Technical Assistance to the customers through inbound and calls and troubleshooting Logging a Case and Escalating the matter to the concerned department
Education
B.Com - undefined
Rastriya Vishwa Vidyapeeth
Mumbai 09.2023 - Current
Skills
Inbound Calls
Total Work Experience
17 Years 0 Month
Timeline
B.Com - undefined
Rastriya Vishwa Vidyapeeth
09.2023 - Current
AVP Digital Operation & Collections
Spocto Solutions Yubi (Formerly CredAvenue)
06.2022 - 01.2023
Assistant Vice President
State Bank Of Mauritius India Private limited
06.2022 - 11.2022
National Account Manager
Connect Business Solutions
03.2020 - 05.2022
Contact Center Manager
DMI Consumer Credit Private Limited
06.2018 - 03.2020
Assistant Manager Fraud Risk & Collections
Epay Later, Arthashastra Fintech Pvt Ltd
05.2018 - 04.2019
Sr Manager Fraud Risk & Collections
Credit Mate Fintech Pvt Ltd. (Paytm)
05.2017 - 04.2018
Assistant Manager Fraud Prevention and Risk management
Fullerton India Credit Company Limited (NBFC)
04.2017 - 05.2018
Senior Credit Risk & Fraud Prevention Analyst
AMERICAN EXPRESS
03.2005 - 10.2008
Financial Advisor & Relief Team Manager
JP Morgan and Chase
03.2004 - 10.2008
Senior Lead Advisor
3 Global Services Pvt Ltd
01.2004 - 01.2005
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