Summary
Overview
Work History
Skills
Projects
Accomplishments
Specialattributes
Academics
Personal Information
Address
References
Timeline
Generic

Mohammad Areeb

Greater Noida West

Summary

A dynamic professional with nearly 16+ years of rich experience seeking Suitable challenging position that draw upon my strength, which showcase my ability to perform consistently, meet targets and rise above the mundane. Therefore, my immediate career pursuance lies within the purview of passionate aspirations to effectively and efficiently lead a dynamic team by managing their expectations and then matching them with the business requirements.

Overview

19
19
years of professional experience

Work History

Sr. Manager

OneCard (Brand of FPL Technology Pvt. Ltd.)
New Delhi
09.2023 - Current
  • Responsible for Bucket_1 Collection for the North and East regions
  • Lead and manage a team of Bucket Managers to ensure monthly resolution targets are consistently met
  • Develop and implement Collection processes to achieve and exceed KPI goals
  • Monitor and ensure that all performance metrics for agencies and executives are achieved
  • Attain Due Date Collection targets through effective daily BC closures
  • Strategize and execute plans to enhance and maintain extraction rates
  • Implement regional initiatives to boost collections efficiency and reduce bad debts
  • Assess and manage business partner performance to ensure optimal outcomes
  • Conduct regular reviews of unpaid cases and resolve disputes promptly and effectively
  • Formulate and enforce collections strategies to improve overall process efficiency
  • Ensure full compliance with legal and regulatory requirements across all levels
  • Oversee outsourced service providers and agencies, holding them accountable for meeting collection targets
  • Handle customer escalations and disputes with a focus on resolution and satisfaction
  • Perform detailed portfolio analysis and deliver actionable insights to senior management
  • Maximize recovery from NPA and Write-Off pools by meeting or exceeding resolution targets
  • Prevent additions to the NPA Write-Off pool by maintaining strict control over delinquency levels
  • Minimize forward flow from collection buckets to maintain portfolio health
  • Foster a high-performance environment to drive employee motivation and productivity
  • Ensure staff are thoroughly trained on bank products, processes, and policies for optimal performance.

Collection Manager

Axis Bank Ltd.
Meerut
11.2020 - 09.2023
  • Responsible for Collection Life Cycle Management (Bucket_2 to Write-Off) Collections/ Recoveries for Uttar Pradesh (Non-Metro Region)
  • Managing the team of Bucket Managers and ensure achievement of the monthly resolution targets
  • Implement & execute Collection processes to ensure KPI delivery
  • To ensure all performance matrices as defined are met by the Agency and Executives
  • Meet Due Date Collection targets with daily BC closing
  • Responsible for the execution of the strategy to increase and maintain the extraction %
  • Implement Regional initiatives for Collections efficiency & Bad debts flow reduction
  • Front end and review the business partner performance
  • Regular review the unpaid cases & ensure timely dispute resolution
  • Implement and execute collections strategy
  • Ensure achievement of process efficiencies in collections
  • Compliance to legal and regulatory norms of the region, organization, regulatory bodies, etc
  • Management of outsourced service provider and agencies and responsible for agency / service provider achieving collections targets
  • Manage escalations and disputes of customers
  • Portfolio analysis and feedback to top management /senior management /reporting line
  • Ensure maximum release from the NPA and Write-Off pool by achieving the required resolution target as per the business requirement
  • Ensure minimum addition to the NPA Write-Off pool by keeping the portfolio in check by maintaining the delinquency level
  • Ensure minimum forward flow from the buckets
  • Create a performance-oriented environment leading to high employee motivation and productivity
  • Ensure that all staff are adequately trained on the products of the bank, processes and various policies of the bank.

Agency Collection Manager

SBI Cards & Payment Services Ltd.
Nagpur
05.2019 - 11.2020
  • Responsible for Late Stage (CD_4 to CD_7) Collections for Nagpur Region
  • Implement & execute Collection processes to ensure KPI delivery
  • To ensure all performance matrices as defined are met by the Agency and Executives
  • Meet Due Date Collection targets with daily BC closing
  • Responsible for the execution of the strategy to increase and maintain the extraction %
  • Implement Regional initiatives for Collections efficiency & Bad debts flow reduction
  • Front end and review the business partner performance
  • Regular review the unpaid cases & ensure timely dispute resolution
  • Implement and execute collections strategy
  • Ensure achievement of process efficiencies in collections
  • Compliance to legal and regulatory norms of the region, organization, regulatory bodies, etc
  • Management of outsourced service provider and agencies and responsible for agency / service provider achieving collections targets
  • Manage escalations and disputes of customers
  • Portfolio analysis and feedback to top management /senior management /reporting line
  • People management skills and work towards low shrinkage, low attrition, shift adherence, etc at service provider / agency end.

Process Manager

Quantified Commerce
Chandigarh
04.2017 - 12.2018
  • Responsible for meeting operational and business goals
  • Driving appropriate data oriented analysis, adoption of technology solutions and process improvement projects to achieve operational and business goals
  • Managing stakeholder communication across multiple lines of business on operational milestones, process changes, escalations, etc
  • Ensuring high quality standards for interviewing and hiring employees at all levels of the organization
  • Executing specific people programs on coaching and development and team engagement
  • Interacts with multiple stakeholders to communicate on operations and also represent data/ metrics information
  • Owns/ Drives development of external/internal communication i.e
  • WIG, reports etc
  • Ability to represent data and communicate effectively to handle escalations
  • Drive weekly or monthly discussions with Stakeholders and influence decisions for the process with data
  • Analyzes Data and is responsible for highlighting gaps, recommends solutions and drives and influences decisions
  • Manages escalation/resolves complex tickets including non-standard tasks
  • Responsible for Operational Reporting to senior management/ stakeholders at Process level
  • Drives completion of work allocation for the function/ process independently
  • Prioritizes metrics to meet operational goals assigned at process level
  • Participate in onboarding if it is part of similar new processed onboarding ie new GL/ process/ module with complete documentations i.e
  • SOP etc
  • Act as Mentor or coach and contributes to associate growth
  • Develops training content for functional on-boarding
  • Trains new hires
  • Expert and Primary contact for process issues/ escalation/ coaching
  • Demonstrates understanding of performance and leadership bar and effectively applies to hiring decisions
  • Communicate effectively to internal stakeholders.

Circle Collection Lead (Deputy Manager)

Reliance Communication Ltd.
Chandigarh
05.2015 - 04.2017
  • Responsible for Collections for the Upper North Region (i.e
  • Haryana, Punjab & Himachal Pradesh)
  • Implement & execute Collection processes to ensure KPI delivery
  • To ensure all performance matrices as defined are met by the Agency and Executives
  • Meet Due Date Collection targets
  • Cash Collection within 30 days of Bill Cycle
  • Responsible for the Bad debts flow for all products allocated
  • Implement Regional initiatives for Collections efficiency & Bad debts flow reduction
  • Front end and review the business partner performance
  • Regular review the unpaid cases & ensure timely dispute resolution
  • Ensure all escalations pertaining to Wireless Department is resolved and ensure corrective action is done where required
  • Managing Partner teams for effective performance management
  • Responsible for maintaining & controlling Cost of Collections as per AOP.

Circle Collection Lead (Assistant Manager)

IDEA Cellular Limited
Panipat
06.2010 - 05.2015
  • Responsible for overall circle collection performance Biller Agencies and 0-60 bucket collections through field agents, collection agencies
  • Identification and on-boarding of 0-60 bucket collection agencies/Vendor & ensuring their performance through routine monitoring
  • Supporting retention team in high value case cracking, settlement and retention through field agents
  • Identifying ways and means to recover maximum payments from 30-60 bucket & debt flow through skip tracking, web applications, legal notices
  • Vendor management through on-boarding negotiations, performance slab creation, cost rationalization and agent incentive schemes
  • Achieved consistent 94%+ collection performance in 0-30 portfolio
  • Achieved consistent 55%+ collection performance in 30-60 portfolio
  • Timely escalation closure to avoid any financial disputes and legal proceedings
  • Filing legal suits against intended high value defaulters in coordination with circle legal team.

Team Leader

Spice BPO Services Ltd.
Noida
06.2008 - 06.2010
  • Process Owner - Leading, mentoring, and handling a team of 22 members.
  • Ensures that the team operates effectively and efficiently through appropriate task allocation, and the process meets the targets.
  • Devise individual development plans for the agents for performance enhancement.
  • Monitoring agent's calls and providing feedback individually.
  • Effectively provide quality-related feedback to the team members.
  • Identify training requirements of the agents and organize sessions to improve performance and knowledge base.
  • Taking training sessions for Team Members.
  • Recognize and reward excellence whilst being uncompromising on Poor performance.
  • Organize daily team huddles, weekly team meetings, as well as briefings.
  • Call Monitoring and providing Feedback to the team members.

Team Leader (Operations, Wells Fargo Bank – Data Validation Process)

Proficient E Services
Ghaziabad
04.2005 - 05.2008
  • Leading, mentoring, and handling a team of 18 members.
  • Taking escalated supervisor calls.
  • Achieving Daily Data Validation Target.
  • Maintaining the Record of Validated Data.
  • Ensures that the team operates effectively and efficiently through appropriate task allocation, and the process meets the targets.
  • Devise individual development plans for the agents for performance enhancement.
  • Monitoring agent's calls and providing feedback individually.
  • Effectively provide quality-related feedback to the team members.

Skills

  • Service Delivery
  • Training & Delivery
  • Process / Client Management
  • Quality Improvement
  • Process Improvement / Control
  • Bad Debts Recovery and Collections
  • Operations Handling
  • Data Maintenance
  • People Management
  • Internal & External Hiring
  • Resource Management
  • Process Enhancement and Delivery

Projects

  • Smooth Launch of knowledge bank “iKnow” across Haryana, Punjab and Himachal Pradesh.
  • Smooth Launch of 4G LTE across Haryana, Punjab and Himachal Pradesh.
  • Executed Smooth Transition of Customer base (1000 MDN) from CDMA to GSM for Haryana, Punjab and Himachal Pradesh with 100% Switch Over.
  • Been part of “Project Collection (Bucket 60-90)” 115% achievement of the given target.
  • Been Part of “Heritage Collection” 57% achievement total outstanding.
  • Smooth Launch of Prepaid and Postpaid CRM “Crystal” at Spice BPO.

Accomplishments

  • Awarded for the Outstanding Performance for the Month of June 09.
  • Awarded for being Top Guns of the Quarter for Team in Oct’09.
  • Awarded as an Extra Miler of the Quarter in Dec’09
  • Acknowledged as ‘Star Performer’ for Jul’13
  • Acknowledged as ‘Star Performer’ for Jan’14
  • Acknowledged as ‘Star Performer’ for Jan’15
  • Acknowledged as ‘Star Performer’ for Aug’16
  • Acknowledged as ‘Employee of the month’ for Aug’19
  • Consecutive months VIC qualifier and Achiever from June’19 till March’20
  • Awarded with Spot award in May’2020.
  • Acknowledged as ‘Employee of the month’ for June’2020

Specialattributes

  • Exceptional interpersonal, analytical, problem-solving, and communication skills
  • To work with dedication, discipline and determination.
  • To work in dynamic environment of operations with day today challenges.
  • Ability to motivate and work well with colleagues.
  • Result oriented with strong persuasive skills.
  • Can lead any team with confidence and optimism.
  • Flexibility and adaptability.
  • Leadership Skill.
  • Motivational Mentor and Guide.

Academics

Pt. Deen Dayal Upadhyay Management College, Meerut, Khalsa Montessori Senior Secondary School, Bulandshahr, All Saints School, Bulandshahr

Personal Information

  • Father's Name: Late Sh. Tanzeem Akhtar
  • Mother's Name: Smt. Fakhra Tanzeem
  • Date of Birth: 01/02/87
  • Gender: Male
  • Nationality: Indian
  • Marital Status: Married
  • Religion: Muslim

Address

Flat No. 09001, Tower 18, Durian Building, Mahagun MyWoods, Sector-16C, Greater Noida West, U.P, 201306, H.no. 109, Panchvati Enclave, Mawana Road, Meerut, U.P, 250002

References

References available upon request.

Timeline

Sr. Manager

OneCard (Brand of FPL Technology Pvt. Ltd.)
09.2023 - Current

Collection Manager

Axis Bank Ltd.
11.2020 - 09.2023

Agency Collection Manager

SBI Cards & Payment Services Ltd.
05.2019 - 11.2020

Process Manager

Quantified Commerce
04.2017 - 12.2018

Circle Collection Lead (Deputy Manager)

Reliance Communication Ltd.
05.2015 - 04.2017

Circle Collection Lead (Assistant Manager)

IDEA Cellular Limited
06.2010 - 05.2015

Team Leader

Spice BPO Services Ltd.
06.2008 - 06.2010

Team Leader (Operations, Wells Fargo Bank – Data Validation Process)

Proficient E Services
04.2005 - 05.2008

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Mohammad Areeb