Naveen V
Debt Manager
Bengaluru
Summary
Dedicated and knowledgeable professional seeking to contribute to organizational growth. Committed to long-term collaboration with our esteemed company to achieve company goals. Eager to share and enhance expertise in a collaborative work environment.
Overview
10
10
years of professional experience
1
1
year of post-secondary education
6
6
Certifications
4
4
Languages
Work History
Debt Manager
IDFC FIRST Bank
06.2023 - 02.2025
- Managed credit card collections, stock portfolio, ensuring timely delinquency follow-ups with customers.
- Data Analysis interpret customer data to identify pre delinquency trends.
- Collaboration with internal groups for various processes, escalations, and risk analysis to ensure seamless operations.
- Resolving CRM queries within TAT time SLA's
- Managed a team of credit analysts, providing guidance and support to optimize performance.
- Provided regular updates to senior management on the status of outstanding debts and recovery efforts.
- Participated in industry conferences and workshops, staying current with developments in the field of debt management.
- Coordinated efforts between internal departments including finance, sales, and customer service to maximize revenue recovery opportunities.
- Contributed to a positive company culture by fostering teamwork and open communication among the debt management team.
- Streamlined debt management processes, implementing new software tools to enhance efficiency.
- Developed comprehensive policies and procedures for debt collection, ensuring compliance with industry regulations and best practices.
- Improved cash flow for the organization through diligent monitoring of accounts receivable and payable.
- Reduced company debt by effectively negotiating payment plans with creditors.
- Analyzed financial reports, identifying trends and potential risks in order to make informed decisions on credit extensions.
- Organized training sessions for staff members on effective debt management strategies.
- Built strong relationships with key stakeholders, working closely with banks, attorneys, and collection agencies to resolve outstanding debts.
- Reviewed legal documentation related to debt recovery actions, ensuring accuracy and adherence to regulations.
- Monitored economic trends that may impact client''s ability to repay debts, staying proactive in addressing potential issues.
- Assisted clients in creating realistic budgets, guiding them towards improved financial stability.
- Responded to client concerns and questions about credit scores and methods to improve numbers.
Deputy Manager
ICICI Bank
11.2019 - 06.2023
- Managed credit card collections, stock portfolio (WHNI), ensuring timely and efficient processes.
- Channel Management Manage efficiency of distribution channels comprising agencies and feet on the street.
- Data Analysis interpret customer data to identify pre delinquency trends.
- Communicated with customers regarding credit card delinquency, resolving issues and ensuring timely payments.
- Took responsibility for allocations management and audit compliance, ensuring adherence to regulatory standards.
- Collaboration with internal groups for various processes, escalations, and risk analysis to ensure seamless operations.
- Handled customer grievance redressal to ensure high satisfaction levels and brand loyalty.
- KYC, AML compliance and SQL database.
- Providing final settlements and closure letters.
- Collaborating with seniors and internal teams for activation of accounts (WHNI customers)
- Led month-end closure activities, working closely with the vendor team to ensure seamless accounting closure month.
- Improved team efficiency by streamlining processes and implementing innovative management strategies.
- Identified areas for improvement within the department, implementing strategic initiatives to address gaps in performance or resources.
- Collaborated with cross-functional teams to drive business growth and achieve corporate objectives.
- Increased customer satisfaction levels by developing targeted strategies to address client concerns effectively.
- Created and maintained a strong team culture that promoted high levels of collaboration, employee satisfaction, and overall performance.
- Developed strong relationships with stakeholders to facilitate smooth communication and project completion.
- Defined clear targets and objectives and communicated to other team members.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Managed senior-level personnel working in operations.
- Launched quality assurance practices for each phase of development
Senior HR Admin
Aberame Creative solutions Pvt Ltd
07.2018 - 06.2019
- Managed HR Departments (Recruitment, Operations, Payroll, Talent acquisition and Employee engagement)
- Implementation of hiring for internal and overseas location.
- Managed Administration department of office (Stationery, Office facilities and Company Properties)
- To create accurate job descriptions and salary benchmarks.
- Maintained physical and digital personnel records such as employment contracts.
- Improved onboarding experience by developing comprehensive orientation materials and training sessions.
- Managed employee relations issues professionally and confidentially, resolving conflicts efficiently.
- Interacting with clients and arranging of meetings.
- Oversaw payroll processing, ensuring timely payments while maintaining accuracy of records.
- Taking responsibility of IT management, managed audit and compliance.
- Talent management - Coordinated professional development opportunities for employees to advance their skills and career growth potential.
- Supported talent acquisition efforts by crafting compelling job postings that attracted high-quality candidates.
- Enhanced employee satisfaction by implementing new policies and procedures for a more efficient HR workflow.
- Completed termination paperwork and exit interviews.
- Worked with legal teams to update policies and procedures for employee handbooks.
- Streamlined recruitment processes, resulting in shorter time-to-fill for open positions.
- Created and posted internal and external job ads, and maintained relationships with recruiting and staffing agencies for sourcing positions.
- Provided orientation for new employees by providing information company policies, explaining benefit programs and obtaining signatures for documents.
- Strengthened employer brand presence by creating appealing recruitment marketing materials.
- Prepared new hire letters, employee contracts, and corporate policies.
- Handled on-boarding process for newly hired employees, which included distribution of all paperwork.
- Oversaw hiring, staffing, and labor law compliance.
- Developed comprehensive process for new hires and reviewed new hire productivity, optimizing onboarding effectiveness.
HR Administration
Celerix Infotech Pvt LTD
03.2016 - 03.2018
- Managed HR Departments (Recruitment, Operations, Payroll and Talent acquisition).
- Managed Administration department of office (Stationery, Compliance, Office facilities and Company Properties)
- Managed Hiring to exit process.
- Streamlined HR processes related to leaves of absence administration ensuring accurate recordkeeping.
- Managed Performance appraisals Rewards and recognition.
- Managed filing of Software technology legal filing and arranging of meetings.
- Managed audit and compliance (Customs duty and logistics)
- Employee engagement and grievance handling.
- Maintained accurate records regarding payroll processing, benefits administration, and other HR-related tasks as needed.
- Streamlined order processing through accurate cash handling.
- Worked with legal teams to update policies and procedures for employee handbooks.
- Oversaw payroll processing, ensuring timely payments while maintaining accuracy of records.
- Talent management - Coordinated professional development opportunities for employees to advance their skills and career growth potential.
- Enhanced employee satisfaction by implementing new policies and procedures for a more efficient HR workflow.
- Completion of paperwork and exit interviews.
Process Executive
Cognizant Technologies Solutions
01.2015 - 03.2016
- Managed accounts receivable invoice process.
- VMware professional software was helping to receive and proceed the data.
- Developed feedback system that encouraged constructive criticism, leading to continuous process improvement.
- Reconciliation of customer invoice line to avoid distraction.
- Preparation of data aging, weekly and monthly receivable reports.
- Answered telephone or online requests and completed interactions quickly to meet productivity goals.
- Maintained strict adherence to quality standards by conducting regular audits, resulting in reduced error rates.
- Streamlined workflows for increased productivity through the application of automation tools.
- Optimized organizational systems for payment AR and recordkeeping.
Education
MBA - Human Resources Management
Adarsh Business School
Bengaluru, India 04.2015 - 12.2015
Skills
Effective escalation resolution
Certification
C
Timeline
Debt Manager
IDFC FIRST Bank
06.2023 - 02.2025
Deputy Manager
ICICI Bank
11.2019 - 06.2023
Senior HR Admin
Aberame Creative solutions Pvt Ltd
07.2018 - 06.2019
HR Administration
Celerix Infotech Pvt LTD
03.2016 - 03.2018
MBA - Human Resources Management
Adarsh Business School
04.2015 - 12.2015
Process Executive
Cognizant Technologies Solutions
01.2015 - 03.2016
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