Niraj Kumar Jain

• Supervised staff of collectors, monitoring phone calls and letters.
• Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
• Accessed credit records to evaluate customer credit histories.
• Successfully implemented new technologies and process automations to encourage continuous improvement.
• Followed prescribed scripts and maintained friendly but firm attitude with full knowledge of contractual requirements and legal remedies.
• Posted receipts to appropriate general ledger accounts.
• Generated and mailed updated statements monthly and processed demand letters.
• Documented interactions in computer database and updated information.

• Planned and implemented growth strategies for Collections.
• Revitalized development strategies to expand Collection operations and improve bottom line.
• Optimized service quality and performance standards across Used Collection.
• Trained and mentored team of 7 staff focused on Collection operations.
• Oversaw continuous floor maintenance and recovery efforts, keeping displays and shelves customer-ready and professionally presented.
• Built successful retail teams by instilling culture of collaboration and developing daily plans centered on common group goals.

. Managed 25+ Bucket collections of Light commercial vehicle loans, used vehicle loans for Rajsthan Area.

. End to end auction management for loans on Recovery portfolio.

. Primary investigation of employee and vendor related suspicious incidents.

. Fraud control and mitigation by sampling and analyzing trends.

. Coordination with empanelled legal firms for alternate recovery procedures.

. Conducting collections and cross functional training programmer as an additional assignment.

. Legal Management – Arbitration ,U/S138,Sec9,Sec17.

• Accomplished multiple tasks within established timeframes.
• Developed and maintained relationships with customers and suppliers through account development.
• Maximized performance by monitoring daily activities and mentoring team members.
• Maintained professional, organized, and safe environment for employees and patrons.
• Managing collections of SB Loans for Indore 5 Branches.
• Field visits on chronic & potential PAR (Bucket 1+) cases

• Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
• Supervised staff of collectors, monitoring phone calls and letters.
• Facilitated successful internal and external audits through sound and thorough documentation.
• Managing Auto loans/Unsecured W-off Portfolio of Indore & spokes location.
• Field visits on chronic & NPA Cases of both Secured & Unsecured products.
• End to end auction management for loans classified as NPA.
• DRA Certification, Training & Implementation.100% Certification.
• Branch Collection Counter & agency cash collection Management.
• Non Starter Case investigation with help of Sales Team as well as RIC & Credit Team.

. Managed collections of personal loans, vehicle loans and consumer durable loans for Vidarbha Area.

. Periodic audit of vendors.

. Fraud control and mitigation by sampling and field investigation.

. Responsible for process and compliance monitoring and implementation.

. Managed Billing & collections, retention and service of government and corporate segments.

. Managed voluntary churn for Gwalior Region.

. Customer care, back-end, Interaction with all FOS to ensure agency performance at par.

. Managed voluntary churn for Gwalior Region.

. Field investigation of high revenue WLL connections.

Audit of bunch tag franchisees and retention agencies.