Summary
Overview
Work History
Education
Skills
Languages
Currentctc
Personal Information
Timeline
Generic

NIRMAL KUMAR

New Delhi

Summary

An astute professional with 17 Years of qualitative experience in Collections and Agency Setup. Demonstrated competence in interfacing with clients for ascertaining requirements and delivering appropriate solutions. Possess excellent interpersonal, communication, and organizational skills with proven abilities to lead motivated teams toward achieving organizational goals.

Overview

19
19
years of professional experience

Work History

Relationship Manager M1

ICICI Bank Ltd
01.2023 - Current
  • Performance Drive Portfolio Efficiency by resolution/Norm/Roll Back/Recovery on field portfolio according to targets allocated to multiple agencies for their respective location
  • Timely identification and reporting of Skips/Fraud/RTP Customers
  • Timely review of vendor's performance in the respective location
  • Conduct ensure timely audit of vendor processes and documentation for agencies operating in respective locations
  • Operations, compliance, Field support along with FOS basis requirement on selective accounts
  • People Ensure the motivation of Field Executives by imparting knowledge on the card industry, negotiating better, escalating cases, etc
  • Ensure regular interactive and call listening sessions are conducted at all agencies for the respective location

Collection Manager

Eduvanz Financing Pvt Ltd
04.2022 - 11.2022
  • Handling Education Loan collection of North and East India Buckets X/30/60 /90/Recovery
  • Managing Agencies' monthly targets, Weekly DRR, and Daily DRR
  • Coordinated with field executives and visit problematic cases
  • Call/Visit Customers for overdue collection
  • Share agencies' performance daily with AVP, and upload the feedback on ELS
  • Sharing Online Payment links with the customers
  • Send the Legal notice (Letter) to Nonperforming Customers
  • Resolve Dispute and Loan Cancellation Cases Co-ordinating with Institute.

Supervisor

HDB Financial Services Lt, HDFC Bank Collection
01.2017 - 03.2022
  • Managing the collection and Targets for products (AL, UCL, TW) BKT-1 &2 rollbacks/stab North Zone State (Punjab, Himachal, Haryana, J&K) with a Team Size of 8 Members Responsible for Agriculture Loan collection NPA Accounts, of Punjab, Haryana State with a team size of 15 members Targets 30%
  • Responsible for Live & Mature Fee penal charges on Target 10% in Live & 4% in Matured cases Multiple products and Locations with a Team Size of 20 members Managing Allocation distribution on the Agent, level, Regular tracking of Tractor loan and fertilizer loan collections for daily target achievement, Preparing MIS for North Zone Tracking of settlement letter and Add Vendor for the new location Daily pickup coordination with the agency.

Senior Operation Executive

GE Capital Service India
04.2016 - 12.2016
  • Booking North India, Mumbai, Bangalore, Hyderabad Auto lease corporate non-corporate disbursement, VAT, TAX, manual checking of all documents Upload the system-generated CB file in the info lease software Upload AP for all booking cases in the info lease Released dealer payment (cheque or NEFT) after receiving the original tax invoice & vehicle request letter (VRL) Update the tax invoice date in the info lease software Maintain the daily & monthly MIS booking report and mail it to AVP Booking manually & loan foreclosure Case transfer from an old lease to a new lease Requests for creating new asset codes (New cars model), consolidation numbers & dealer codes info lease.

Assistant Manager

Unique Ambition Private Ltd
06.2014 - 09.2015
  • Handling insurance business with leading companies Reliance, Future Generali, and Exide Life Responsible for Login issues, verifying customer documents, PLVC calls, and medical Responsible for branch target with telesales team daily conversion Managing the master file and MIS report NEFT Cheque clearance & bouncing Re-login in bounced cases and recovery Preparing daily workloads for team members& coordinating the allocation of work Handling escalated calls, complaints, questions, and queries as required Monitoring & reporting on standards & performance targets.

Team Leader Operation

HDB Financial Service Ltd, HDFC Bank Collection
04.2009 - 06.2014
  • Responsible for North India's Top 4 Locations (Punjab, Himachal, J&K, Haryana) Collection Telecalling team Setup Team Size 30 Members Products (AL, UCL) with Resolution of 95% every month
  • Monitored team productivity Daily basis, through dialer and driving the team According to the required DRR
  • Monitor dialer productivity metrics for the Tele-calling agents as per required standards Managing Collections through Collections Agency Manage daily/weekly/monthly allocation of accounts to agents and daily collection reports
  • Sharing the Effective address disputes, expired, etc cases to prevent any probable escalation and highlight sensitive accounts to the RCM/CLM/Managers To prevent the same
  • Monitoring Team Fee Collection Changers
  • Responsible for Awareness data and allocation uploading on the dialer
  • Manage central MIS report daily and monthly Basis and the agency's billing data soft copy & hard copy every month
  • Responsible for agencies' monthly and daily conversion audit recon & bills.

Team Leader /Agency Auditor

Caretel InfoTech Ltd, ICICI Bank
07.2007 - 04.2009
  • Responsible for North India's Top 5 Locations (Rajasthan, Punjab, Himachal, J&K, Haryana) Collection Telecalling team Setup Team Size 20 Members Products (TW) with Resolution of 95% every month
  • Manage daily/weekly/monthly allocation of accounts to agents, and daily collection reports Monitor collection trends/recommendations to be shared with the collections manager Monitor the Daily/Weekly/monthly reporting of agent performance Coaching, mentoring, motivating, and performance management for collections team members Managing BKT 0, 1 fraud escalation claim paid, and fraud investigation Manage audit, MIS, agency resolution & target and Planning, monitoring analyzing the resolution Responsible for submission of not deposit EMI, cash & cheque to the local operations, Analysis of non-collected amt Agency recruitments and weekly agency visits agency training programs maintain the audit report and send the respective managers Responsible for managing receipt book records reconciliation, checking submission form records, and I- card details for various agencies as well as for in-house.

Merchandiser

Fabindia Overseas Private Ltd
04.2005 - 07.2007
  • Handled men, kids, women Indian, and women Western garments sections Weekly order to required garments of all sections

Education

Bachelor of Arts -

Shobhit University
01.2013

12th -

B.S.G.M Inter College
01.2005

10th -

B.S.G.M Inter College
01.2003

Skills

  • Call Center Manager
  • Customer Relationships
  • Banking Collection Multiple Loans
  • Agency Management
  • Field Management
  • Portfolio Manager
  • Customer Service
  • Data Analytics
  • Team Building Leadership

Languages

Hindi
Bilingual or Proficient (C2)
English
Upper intermediate (B2)
Punjabi
Intermediate (B1)

Currentctc

12.00 Lac

Personal Information

  • Father's Name: Late Sh Rajinder Kumar
  • Date of Birth: 05/15/87
  • Marital Status: Married

Timeline

Relationship Manager M1

ICICI Bank Ltd
01.2023 - Current

Collection Manager

Eduvanz Financing Pvt Ltd
04.2022 - 11.2022

Supervisor

HDB Financial Services Lt, HDFC Bank Collection
01.2017 - 03.2022

Senior Operation Executive

GE Capital Service India
04.2016 - 12.2016

Assistant Manager

Unique Ambition Private Ltd
06.2014 - 09.2015

Team Leader Operation

HDB Financial Service Ltd, HDFC Bank Collection
04.2009 - 06.2014

Team Leader /Agency Auditor

Caretel InfoTech Ltd, ICICI Bank
07.2007 - 04.2009

Merchandiser

Fabindia Overseas Private Ltd
04.2005 - 07.2007

Bachelor of Arts -

Shobhit University

12th -

B.S.G.M Inter College

10th -

B.S.G.M Inter College

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