NAVEEN KUMAR
Arakkonam
Summary
Experienced collections professional with a strong background in debt recovery and customer relations. Boasting over a decade of industry expertise, consistently surpassing collection targets, driving high-performing teams, and optimizing processes for enhanced efficiency. Proficient in negotiation, relationship management, and strategic problem-solving, with a proven ability to deliver results.
Overview
16
16
years of professional experience
Work History
Collection Manger- Deputy Manager
Axis Bank Ltd.
02.2020 - Current
- Develop and implement effective collection policies and procedures.
- Monitor loan accounts to identify overdue payments.
- Prioritize and assign collection efforts based on risk and delinquency levels.
- Lead and supervise a team of collection officers and agents.
- Provide training, guidance and performance feedback to the team.
- Set collection targets and monitor team performance.
- Communicate with borrowers to resolve delinquencies.
- Negotiate repayment plans or settlements.
- Handle difficult or escalated cases personally.
- Ensure adherence to relevant laws and regulations
- Maintain accurate records of all collection activities.
- Prepare regular reports on collections, delinquency trends, and recovery rates.
- Identify high-risk accounts and take proactive steps to mitigate losses.
- Collaborate with legal teams on enforcement actions.
Agency Manager - Collection Associate
HDB Financial Services
03.2019 - 02.2020
- Directed all collection stages across three regions
- Contact customers via phone, direct visit to collect outstanding debts in a professional manner.
- Negotiate payment plans and settlements while adhering to company policies and regulatory guidelines.
- Resolve customer issues and disputes related to billing and payments.
- Meet or exceed daily, weekly, and monthly collection targets and performance metrics.
- Prepare reports on account activity and collection status for review.
Collection Manager - Officer Grade
Bajaj Finserv Ltd
09.2018 - 03.2019
- Oversaw collections for four areas and supervised team
- Monitored field executives and direct collection agents (DCAs)
Senior Collection Executive
Axis Securities Ltd (Axis Bank)
10.2015 - 09.2018
- Tracked down defaulters and negotiated payment plans
- Conducted high-volume outbound calls for recovery
Recovery Officer
S M Associates
06.2014 - 09.2015
Tool Maintenance Technician
Brakes India Ltd
02.2009 - 02.2011
Education
MBA - E-Business
Annamalai University
Chennai01.2018
BCA - Computer Applications
Madras University
Kanchipuram01.2014
Diploma - Machinist
Brakes India Technical Training Centre
Porur01.2009
Higher Secondary - Maths & Biology
SMS Vimal Matric Hr. Sec. School
Arakkonam01.2006
Skills
- Debt collection management
- Collections efficiency enhancement
- Effective team leadership
- Analytical problem solving
- Engaging presentation skills
- Adaptable team collaborator
Languages
English
Bilingual or Proficient (C2)
Tamil
Bilingual or Proficient (C2)
Hobbies and Interests
- Reading personal development books
- Volunteering in community events
- Playing team sports
- Traveling and exploring cultures
Personal Information
- Date of Birth: 31/08/1988
- Nationality: Indian
- Marital Status: Married
Timeline
Collection Manger- Deputy Manager
Axis Bank Ltd.
02.2020 - Current
Agency Manager - Collection Associate
HDB Financial Services
03.2019 - 02.2020
Collection Manager - Officer Grade
Bajaj Finserv Ltd
09.2018 - 03.2019
Senior Collection Executive
Axis Securities Ltd (Axis Bank)
10.2015 - 09.2018
Recovery Officer
S M Associates
06.2014 - 09.2015
Tool Maintenance Technician
Brakes India Ltd
02.2009 - 02.2011
MBA - E-Business
Annamalai University
BCA - Computer Applications
Madras University
Diploma - Machinist
Brakes India Technical Training Centre
Higher Secondary - Maths & Biology
SMS Vimal Matric Hr. Sec. School
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