Mohit Garg

• Managing collections for 19+ branches across key locations including Meerut, Baghpat, Muzaffarnagar, Modinagar, and Muradnagar.
• Handling end-to-end gold loan portfolio collections, ensuring timely recovery and minimizing delinquencies.
• Monitoring overdue accounts, NPA cases, and high-risk customers, and taking necessary recovery actions.
• Coordinating with branch teams and field staff to drive collection efficiency and achieve monthly targets.
• Conducting regular customer follow-ups and field visits to resolve payment issues and ensure closure.
• Achieved consistent monthly collection targets and contributed to reduction in NPA levels.

• Professional Experience
  Cred
  Collections Team Leader | May 2023 – Present (2 yrs)
  
  Managed a 70-member collections team, driving monthly recovery targets of ₹135cr+
  
  Twice awarded “Best Team Leader” for surpassing targets by up to 20% and boosting team productivity by 25%
  
  Conducted ongoing training, 1:1 coaching, and role-plays—improved call-to-promise conversions by 18%
  
  Designed segmented call scripts and prioritized high-risk accounts, reducing average delinquency days by 12
  
  Collections Subject Matter Expert |Nov 2022 – Apr 2023 (6 mos):
• Served as the go-to resource for complex, high-value accounts, lifting the SME team's recovery rate from 62% to 72%. Developed knowledge-base articles and led weekly Q&A sessions for more than 40 collection executives.

Collections Executive | Jul 2022 – Oct 2022 (4 mos)

Handled a portfolio of 450+ delinquent accounts, achieving a 78% resolution rate.

Negotiated structured repayment plans, recovering ₹4 L in overdue balances.

Ensured 100% compliance with internal policies and RBI guidelines.