Nikhilesh Kukashe
Balaghat
Summary
Strategist and implementer with expertise in driving business initiatives to meet corporate objectives. Proficient in multilingual communication, team management, and process optimization within banking and telecom industries. Proven track record in managing collection activities across diverse regions, enhancing compliance, and negotiating effectively. Achievements include developing successful collection strategies and significantly reducing delinquency rates.
Overview
12
12
years of professional experience
Work History
Regional Collection Manager
JANA Small Finance Bank Ltd
Indore
09.2024 - Current
- Spearheaded collection strategies to achieve targets across MP and CG regions.
- Managed a team of 48, including Cluster Heads and Collection Managers, setting individual goals.
- Developed and implemented compliant collection strategies while monitoring performance.
- Collaborated with cross-functional teams to resolve complex cases and enhance recovery processes.
- Identified process improvement opportunities, streamlining operations for increased efficiency.
- Conducted collections on difficult NPA cases utilizing SARFAESI Act 2002 provisions.
- Trained new employees and conducted reviews for established staff on best practices in accounts receivable management.
Territory Recovery Manager – Mortgage
IDFC First Bank Ltd
Pune
08.2019 - 08.2024
- Handled flow and write-off mortgage portfolio for MP, Pune, Nashik, and Kolhapur locations.
- Managed a team of debt managers, ensuring compliance and adherence to processes.
- Drove flow and recovery targets through training and process improvements.
- Executed collections in hard NPA cases using the SARFAESI Act of 2002.
- Managed legal teams for property possession and auction.
- Developed and implemented awareness programs for in-house teams and agencies.
- Handling agencies of empaneled advocates for Sec. 14 orders.
- Timely possession of the mortgage properties.
- Timely selling the possessed properties at the auction.
- Vendor Management - Collection Agencies, Enforcement Agencies, and Legal Agencies.
Team Leader (Enterprise Business) – PRM
Reliance Jio Infocomm Ltd
Indore/Bhopal
02.2017 - 08.2019
- Achieved sales and collection targets through effective management of on-roll enterprise team.
- Delivered product knowledge training to enhance team proficiency for enterprise clients.
- Implemented retention strategies, reducing bad debt and improving customer satisfaction in enterprise segment.
- Ensured exceptional service for HNI customers, promoting quick operations and satisfaction.
- Focused on customer retention, minimizing churn and managing bad debt effectively.
- Oversaw team management, fostering a collaborative environment to drive performance.
- Facilitated new product awareness initiatives for enterprise customers to boost engagement.
- Managed processes and operations to optimize efficiency across the enterprise sector.
Team Leader – SMB/AES Collection
Bharti Airtel Ltd
Madhya Pradesh & Chhattisgarh
04.2016 - 02.2017
- Monitored daily collections for MPCG SMB Gold/Platinum/Aes categories across six regions.
- Achieved monthly aging and collection targets through effective team management.
- Handled escalations, negotiating for debt recovery from overdue accounts.
- Implemented strategies to reduce collection bucket and minimize churn.
- Collaborated with ZTLs and RMs to enhance collections and farming sales.
- Trained ZTLs and RMs to improve quality of service and customer satisfaction.
- Executed customer acquisition plans and sourcing initiatives to drive growth.
- Managed processes and operations to reduce bad debt and enhance efficiency.
Relationship Executive (Customer Retention & Collections)
Vodafone
Indore
10.2014 - 04.2016
- Managed a base of 16k subscribers (SME/Corporate/Government) for retention and collection.
- Coordinated with marketing and network teams for proactive and reactive retention strategies.
- Ensured customer satisfaction and handled disputes, ensuring minimal churn.
Sales Trainer
Appco
Indore
06.2013 - 09.2014
- Led B2B sales enhancement programs and provided guidance to teams.
- Reported on team activities and aligned efforts with management direction.
Education
Bachelor of Engineering - E.C.
Acropolis Institute of Technology & Research
Bhopal01.2012
Intermediate -
Gyandeep Higher Secondary School
Balaghat, M.P01.2008
Skills
- Collection strategy and debt recovery
- Process improvement and performance monitoring
- Cross-functional collaboration
- Vendor management and negotiation
- Employee training and leadership development
- Risk assessment and analytical skills
- Problem solving and critical thinking
- Portfolio analysis and banking product knowledge
- Communication and interpersonal skills
- Customer relationship management and retention strategies
- Large team management and leadership expertise
- Six Sigma – Black Belt
- Skip tracing
- Time management abilities
- Dispute resolution
- Codes reviewing
- Team building
- Goal oriented
- Debt recovery expertise
- Performance monitoring
- Collection strategy
- Team management
- Debt recovery
Extracurricular Activities
Robotics Workshop (IITB) by Think's Lab at AITR Indore. Head Coordinator, Organizing Committee, AITR Bhopal.
Projects
Audio Video Wireless Communication, Focused on public safety surveillance systems, which serve as crime deterrents and provide essential evidence for investigations.
Training
CMC/EMX Training, BHEL Bhopal.
Languages
- English
- Hindi
Personal Information
- Date of birth: 07/06/1990
- Gender: Male
- Nationality: Indian
- Home town: Balaghat, M.P.
- Current job city: Indore, M.P
Disclaimer
I hereby declare that the information provided above is true to the best of my knowledge and belief.
Timeline
Regional Collection Manager
JANA Small Finance Bank Ltd
09.2024 - Current
Territory Recovery Manager – Mortgage
IDFC First Bank Ltd
08.2019 - 08.2024
Team Leader (Enterprise Business) – PRM
Reliance Jio Infocomm Ltd
02.2017 - 08.2019
Team Leader – SMB/AES Collection
Bharti Airtel Ltd
04.2016 - 02.2017
Relationship Executive (Customer Retention & Collections)
Vodafone
10.2014 - 04.2016
Sales Trainer
Appco
06.2013 - 09.2014
Bachelor of Engineering - E.C.
Acropolis Institute of Technology & Research
Intermediate -
Gyandeep Higher Secondary School
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