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
KYC compliance knowledge
Audit process management
Risk analysis proficiency
Vendor coordination and oversight
Project execution
Quantitative analysis
Channel strategy development
Efficiency management
Employee payment management
Data-driven business analysis
Recruitment expertise
Talent acquisition management
Office management
Risk assessment in portfolio management
Power BI analysis proficiency
Debt recovery strategies
Financial collections expertise
Customer relations
Responsive to new challenges
Financial debt organization
Strategic asset management
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