Nitesh Kumar Jhanjee ( CFE, LLB)

• Heading Collections of Gold Loans, Unsecured , LAP & Supply Chain Finance.
• Driving Digital, Data led , Customer centric collections at scale.
• Built High Performance Recovery EcoSystem Across India.
• Transformed Collections into a profitable centre by driving higher recovery rates, improving delay charge collections, and reducing portfolio delinquency.
• Championed Agentic AI solutions to automate collecions workflows, accelerate decision making & enhance portfolio performance at scale.
• Delivered sustainable cost optimization through process re-engineering, digital transformation, and disciplined resources management without compromising outcomes.

• Heading Collections of Business loans, Mortgages, Health Finance Equipment, School Finance, Consumer Loans
• AOP Planning , Budgeting, Execution
• Minimizing Losses & Cost Control
• Designing Process & Implementation

Heading PAN India Collections of Tele calling, Unsecured and Mortgages Collections with a team size 300 on roll and agency vertical.

Responsibilities include

• Digital Debt Collections- Unsecured , Mortgages , Medical Equipment
• Compliance and Audit Management
• Fraud Management
• Revenue generation
• Cost control
• HR management ( hiring and attrition)
• Training and Overall team's development
• KPI and KRA designs
• Designing and Improvising collections score card.
• Interdepartmental Reviews and Credit policy feedbacks and decisions.
• Customer Services

• Handling PAN India Housing , SME Vertical and Field Investigations.
• Discussing, negotiating and ensuring delivery of Service Contracts for Collections from Technical, and Legal angles.
• Formulating effective debt collection mechanisms for ensuring timely receipt of money from customers & recovery of bad debts.
• Identifying probable risks by conducting audits of existing revenue streams and implementing corrective measures to mitigate the same.
• Creating & implementing workflows to facilitate structured support in all areas and issues.

• Heading collections of Unsecured Vertical for self employed professionals

• Increased sales by 25% YOY for the Gujarat Zone.
• Managed P&L Asset Based Finance business, led several teams & departments, and developed digital capabilities for the company.
• Major responsibilities include delivering Number Targets of secured products, training, Customer Service, Employee Engagement, Recruitment, Assessment, and Performance Appraisals.
• Also responsible for improving per dealer productivity by tracking important metrics such as lead generation, conversion rate, ticket size, premium collection mode, and product mix; and follow-up through rigorous sales reviews.
• Process owner for Quality Interventions – Quality within our organization has three-fold objective; a) To ensure complete information sharing with the client prior to the sale of the product; b) To improve productivity per sales force by call barging and following up through feedback sessions; c) Tracking cross-sell penetration .