NITESH RATHORE
Vadodara
Summary
To enhance my professional skills, capabilities, and knowledge by working in a challenging and growth-oriented organization that recognizes the value of hard work, offers opportunities for continuous learning, and entrusts me with significant responsibilities and challenges.
Overview
3
3
Languages
8
8
years of professional experience
Work History
Area SAM Manager
Aditya Birla Capital Limited
Vadodara, Gujarat
09.2025 - Current
- Currently working as an Area SAM Manager with Aditya Birla Capital Limited, based in Vadodara, managing the Gujarat, Madhya Pradesh, and Rajasthan regions.
- Managing SME Mid-Market, Institutional Mortgage and Supply Chain Finance portfolios.
- Handling end-to-end Collections, Risk Management, and Legal Recovery functions.
- Monitoring and managing stressed accounts to ensure portfolio performance aligns with organizational risk parameters.
- Conducting regular reviews of clients' business operations, financial performance, and repayment behavior.
- Managing a portfolio with ticket sizes ranging from ₹10 Crore to ₹100 Crore.
- Managed 40-50 accounts with an aggregate Portfolio Outstanding (POS) of ₹100-120 Crore.
- Handling accounts across all delinquency stages, from Stage 1 to Infinity Bucket.
- Extensive experience in SARFAESI Proceedings, Auction and Asset Disposal, NCLT (Insolvency Proceedings), DRT Matters, Arbitration Cases, Section 25 Proceedings, Section 138 NI Act Cases, Soft Dunning Notices, Hard Dunning Notices, Stressed Asset Management, Loan Recovery & Resolution, Risk Assessment & Portfolio Monitoring, One-Time Settlement (OTS) Negotiation, Legal Recovery Strategy, SME & Mid-Market Credit Portfolio Management, Collection Strategy & Execution, Compliance & Regulatory Coordination.
Collection Manager
Kotak Mahindra Bank Ltd
Indore, Madhya Pradesh
09.2020 - 08.2025
- Worked with Kotak Mahindra Bank Ltd. at the Indore location, managing the entire Madhya Pradesh region.
- Managed portfolios comprising Loan Against Property (LAP), Housing Finance, and Working Capital facilities.
- Responsible for Collections, Risk Management, and Legal Recovery functions.
- Managed portfolio performance in line with risk and collection behavior parameters.
- Conducted regular reviews of clients' business operations and financial performance.
- Led a team of 3 employees (1 on-roll and 2 off-roll).
- Handled delinquency buckets ranging from Bucket 1 to Bucket 7.
- Managed a portfolio of approximately 300 accounts with an aggregate POS of around ₹100 Crore.
- Supervised and coordinated with the in-house collection and recovery team.
- Managed legal recovery actions under: SARFAESI Act, 2002, Section 138 of the Negotiable Instruments Act, LRN (Loan Recall Notice), DRT (Debt Recovery Tribunal) proceedings.
Collection Manager
IDFC FIRST BANK LTD
Surat, Gujarat
07.2019 - 09.2020
- Worked with IDFC FIRST Bank Ltd. at the Surat location.
- Managed a portfolio of Loan Against Property (LAP) accounts.
- Handled Bucket 2 and Write-Off (WOFF) delinquency accounts.
- Responsible for Collections and Legal Recovery functions.
- Managed recovery agencies and supervised 7 off-roll resources.
- Handled a portfolio of approximately 300 accounts with an aggregate POS of ₹70 Crore.
- Led and monitored both agency channels and in-house recovery resources to achieve collection targets.
- Managed legal recovery processes including: SARFAESI Act proceedings, Property Auctions and Disposal, Section 138 of the Negotiable Instruments Act, Loan Recall Notices (LRN), Demand Promissory Notes (DPN), Debt Recovery Tribunal (DRT) cases.
Debt Manager
ICICI BANK LTD
Surat, Gujarat
04.2018 - 06.2019
- Worked with ICICI Bank Ltd. at the Surat location, managing the South Gujarat region.
- Handled portfolios comprising Loan Against Property (LAP) and Housing Loan accounts.
- Responsible for Collections, Legal Recovery, and Sales functions.
- Managed X Bucket to Infinity Bucket accounts across Valsad, Vapi, Daman, and Silvassa regions, along with 90+ DPD and 180+ DPD accounts in the Surat region.
- Supervised recovery agencies and managed 2 off-roll recovery resources.
- Handled a portfolio of approximately 300 accounts with an aggregate POS of ₹80 Crore.
- Managed and monitored both agency channels and in-house recovery teams to maximize collections and recoveries.
- Handled legal recovery actions under: SARFAESI Act, 2002, Property Auctions and Asset Disposal, Debt Recovery Tribunal (DRT) Proceedings, Section 138 of the Negotiable Instruments Act, Loan Recall Notices (LRN).
Education
Post Graduation Diploma - Banking And Finance
Manipal Academy of Higher Education
Bengaluru, India07-2018
BA(H) - Political Science
Vikram University
01-2014
12th - Commerce
CBSE
01-2011
10th -
CBSE
01-2009
Skills
- Delinquency Management
- Leadership Management
- Team Handling and Development
- Customer-Centric Relationship Management
- Collections & Recovery Management
- Legal Recovery & SARFAESI Proceedings
- Portfolio Risk Management
- Agency & Vendor Management
- Negotiation and Resolution Skills
- Asset Disposal & Auction Management
Custom
- Participating in social work
- Playing sports
- Workout
Language
Hindi
Proficient
C2
English
Proficient
C2
Gujarati
Elementary
A2
Interests
Reading Business and Financial News
Traveling and Exploring New Places
Networking and Relationship Building
Cricket and Outdoor Sports
Listening to Music
Social and Community Service Activities
Fitness and Wellness
Learning New Skills
Accomplishments
Pan India Topper in BSC Scorecard at ICICI Bank (October 2018).
Winner of the Double Dhamaka Contest at IDFC FIRST Bank (2019).
Awarded Top Gunner Award at Kotak Mahindra Bank for outstanding performance in 2021 and 2022.
Achieved Pan India Topper position in the BSE Scorecard at Kotak Mahindra Bank (2023).
Received the ABCL Award for Best Retail Branch for Ahmedabad at Aditya Birla Capital Limited.
Nominated for the ABC Award in both Individual and Group categories at Aditya Birla Capital Limited.
Timeline
Area SAM Manager
Aditya Birla Capital Limited
09.2025 - Current
Collection Manager
Kotak Mahindra Bank Ltd
09.2020 - 08.2025
Collection Manager
IDFC FIRST BANK LTD
07.2019 - 09.2020
Debt Manager
ICICI BANK LTD
04.2018 - 06.2019
Post Graduation Diploma - Banking And Finance
Manipal Academy of Higher Education
BA(H) - Political Science
Vikram University
12th - Commerce
CBSE
10th -
CBSE