NAVEEN KUMAR TOMAR
Meerut
Summary
To find a challenging position in Financial Services Industry and advantage and develop my existing skill set for organizational and personal success.
In depth understanding of Collection, process in Consumer Finance. Over 25 years' experience in Collections, Sales Development.
Results-driven Collection Manager known for high productivity and efficient task completion. Possess specialized skills in debt recovery strategies, negotiation techniques, and regulatory compliance. Excel in communication, problem-solving, and leadership to achieve financial goals and maintain customer relationships while navigating complex collection scenarios. Reliable Manager demonstrating high level of ownership and initiative. Possessing exceptional work ethic and desire to go above and beyond to exceed company expectations. Offering knack for building productive working relationships. Successful in fast-paced, deadline-driven environments to manage goals and team development. History of thriving in team-oriented environments.
Overview
27
27
years of professional experience
Work History
Area Collection Manager
SMFG Home Finance Co Ltd.
Meerut
12.2021 - Current
Branch Receivable Manager
Cholamandlam Investment & Finance Co. Ltd
New Delhi
12.2015 - 12.2021
- Branch Receivable Manager (M-3) Home Equity LAP product for Collection 30-119 bkt
- In Dec-2021 Left that company from grad (M-3)
Collection Officer
HCL Learning Ltd
Noida
03.2014 - 12.2015
E-education and Smart class room setup in North & East India :-
- Developed collection strategies for delinquent accounts, including payment arrangements with customers.
- Processed payments from customers according to company policies and procedures.
- Communicated regularly with internal departments regarding changes in account status or other related matters.
- Updated company's database daily with new details regarding collections and activity on delinquent accounts.
- Answered customer questions regarding account discrepancies or problems.
- Spoke with customers to learn reasons for overdue payments and to review terms of credit contract.
Assistant Collection Manager
Indiabulls Financial Services Ltd.
11.2008 - 09.2013
- Appointed as Collection Officer-PL+ for DPD- 0 to 30, 31 to 60 and 61 to 90 all Delhi & N.C.R
- Now I am looking overall three Bkt.s
- And Due Charges on all product for Delhi & N.C.R
- I am handling in-house team as Collection Officer + 15 exe
- On allover work
Sr. Sales Officer-Business Loan & Personal Loan
Moneyline Credit Ltd.
05.2008 - 10.2008
- Appointed as Sr
- Sales Officer-Business Loan & Personal Loan; currently handling 7 DSA's (sales Channel Partners) for business development
- Managing DSA for Personal/ Business Loans for Delhi & NCR
- Taking care of daily logins, approvals & disbursals
- Coordinating with credit on daily basis for approval of files
- Motivating DSA towards work and achieving pre set targets month on month.
Sr Branch Sales & Collection Officer
Ma Foi Management Consultant
11.2007 - 04.2008
- I joined Citifinancial India at Mayur Vihar-II as a Sales and Customer Care Officer. I was handling the complete collections process, including agency coordination and customer interaction. I coordinated with various Collection & Sales Channel Partners to drive collection and sales for the banking sector. I projected the overall bucket resolution to control delinquency and decided, on behalf of the bank management, the volume of allocation to be generated.h allocation
- Resolving the NON-STARTER, SKIP tracing, Service issue; Responsible for the customer service of the bank and resolving customer issues
field executive
Delhi investigators & northern credit & collection bureau
09.1997 - 10.2007
- Company Overview: Associates of multinational banks
- I joined the company in sep-1997 as a field executive for Citibank credit cards collection
- Over 6 years of work experience in Citi Collection pvt ltd for CITI FINANCIAL CONSUMER FINANCE INDIA LTD as a supervisor handling Soft Bucket Collections
Education
PGDCA - 0/S OTHER
IEC COMPUTER INSTITUTE
01.1997
B.A - ARTS
CCS UNIV MEERUT
01.1997
12-th - ARTS
UP BOARD
01.1994
10-th - All sub
UP BOARD
01.1990
Skills
Currently Job Tile :- Area Collection Manager, SMFG Home Finance Co Ltd (formerly Fullerton India Home Finance Co, Ltd)
Reporting to:- Zonal Collection Manager
Location:- UP & UK Locking 0 to Infinity across bkt,s Home and LAP Loan
- Payment plan development
- Stress management techniques
- Team leadership experience
- Portfolio Management
- Credit Risk Assessment
- Paperwork Processing
- Aging reports analysis
- Fair Debt Collections Practices
- Quality Standards Compliance
- Problem Identification
- Organization skills
- Collection strategies
- Professional ethics
- Waiver Approval
- Delinquent Account Notification
- Goal Setting
- Time management abilities
- Interpersonal Skills
- Communication Skills
- Risk Management
- Legal Support
- Appointed as Cluster Collection Manager (SHC # ACM) In UP & UK Locking 0 to Infinity across bkt,s Home and LAP Loan
- (Grihashakti)
Key Responsibilities
- Overseeing the collection affords across all Collection bkt,s. working closely with in house team as well as liaise with internal legal team and other function Sales.
- Meeting delinquent customers understand the reasons for the delinquency and accordingly applied the needed resolution # Responsible for achieving targets on various factor such as stabilization of ac.
- Flow backs, NPA, resolution, As well as regularization of AC # Managing costs by bringing in efficiency on Collection.
- Ability to work aggressively achieved targets.
References
- SATISH, KUMAR, -9910090444, INDIABULLS FIANCIAL SERVICES LTD
- LALIT, MASSEY, TATA CAPITAL HOUSEING CO
Timeline
Area Collection Manager
SMFG Home Finance Co Ltd.
12.2021 - Current
Branch Receivable Manager
Cholamandlam Investment & Finance Co. Ltd
12.2015 - 12.2021
Collection Officer
HCL Learning Ltd
03.2014 - 12.2015
Assistant Collection Manager
Indiabulls Financial Services Ltd.
11.2008 - 09.2013
Sr. Sales Officer-Business Loan & Personal Loan
Moneyline Credit Ltd.
05.2008 - 10.2008
Sr Branch Sales & Collection Officer
Ma Foi Management Consultant
11.2007 - 04.2008
field executive
Delhi investigators & northern credit & collection bureau
09.1997 - 10.2007
PGDCA - 0/S OTHER
IEC COMPUTER INSTITUTE
B.A - ARTS
CCS UNIV MEERUT
12-th - ARTS
UP BOARD
10-th - All sub
UP BOARD
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